How to Get Plumbing Business Insurance: A Complete Guide for Contractors
- Nate Jones, CPCU, ARM, CLCS, AU
- Jan 14
- 2 min read
Running a plumbing business comes with unique risks—from on-site accidents to property damage and equipment loss. That’s why plumbing business insurance is essential for contractors. Proper coverage protects your employees, clients, and your financial investment.
In this guide, we’ll break down how to get plumbing insurance, what policies you need, and how Wexford Insurance can help you get a fast, tailored quote.
Why Plumbing Insurance Matters
Plumbers face daily hazards, including:
Slips, trips, and falls on job sites
Water damage to client property
Equipment loss or damage
Legal liability from mistakes or accidents
Without insurance, even a minor incident could result in significant financial loss. Insurance ensures your business is protected while complying with legal and contract requirements.
Key Plumbing Business Insurance Policies
Most plumbing contractors need a combination of these coverages:
Covers bodily injury, property damage, and third-party claims resulting from your work.
Protects your office, tools, and equipment from fire, theft, or natural disasters.
Required in most states, this covers medical costs and lost wages if an employee is injured on the job.
Essential if you use vehicles to transport tools, materials, or employees.
Protects against claims from faulty work, errors, or omissions.
How to Get a Plumbing Insurance Quote
To get an accurate quote, gather these details:
Type of plumbing services offered (residential, commercial, emergency)
Number of employees and payroll
Annual revenue
Vehicles and equipment inventory
Past insurance claims or legal history
Working with an experienced agency like Wexford Insurance makes the process faster and easier. They compare multiple carriers to find the best coverage at competitive rates, tailored to your plumbing business.
Why Choose Wexford Insurance
Wexford Insurance helps plumbing contractors:
Get fast, customized insurance quotes
Compare top-rated carriers to find the best value
Receive guidance on coverage gaps and risk management
Ensure compliance with state and contractual requirements
👉 Protect your plumbing business today. Get a personalized insurance quote from Wexford Insurance.