What Kind of Insurance Do I Need for a Plumbing Business?
- Nate Jones, CPCU, ARM, CLCS, AU
- Oct 13, 2025
- 2 min read
Starting or running a plumbing business comes with risks—from property damage and injuries to equipment breakdowns and vehicle accidents. That’s why having the right insurance coverage is essential to protect your plumbing business, your employees, and your reputation.
At Wexford Insurance, we specialize in helping plumbing contractors secure tailored Plumbing Contractor Insurance. Whether you're just starting out or expanding your operations, here’s a breakdown of the essential insurance policies your plumbing business should consider.
Why Insurance Matters for Plumbing Contractors
Plumbing work involves:
Entering clients’ homes and businesses
Handling pressurized systems and hazardous materials
Operating expensive tools and vehicles
Employing skilled labor
Without proper insurance, a single incident could result in costly lawsuits, fines, or equipment loss. Insurance helps you stay compliant, win contracts, and operate with peace of mind.
Essential Insurance Policies for Plumbing Businesses
This is the foundation of your coverage. It protects against:
Property damage caused during plumbing work
Bodily injury to clients or third parties
Legal fees and settlements
2. Workers’ Compensation Insurance
If you have employees, this coverage is typically required by law. It covers:
Medical expenses for work-related injuries
Lost wages
Rehabilitation costs
🔗 Check Out: state’s workers’ comp requirements.
If you use vans or trucks for transporting tools and staff, personal auto insurance won’t cover business-related accidents. Commercial auto insurance covers:
Vehicle damage
Liability for accidents
Theft or vandalism
If you own or lease a shop, office, or storage space, this policy protects:
Buildings and structures
Plumbing tools and inventory
Office equipment
It also covers damage from fire, theft, vandalism, and natural disasters.
Plumbing businesses rely on expensive tools and machinery. This policy helps cover:
Repairs or replacement of broken equipment
Lost income due to downtime
Also known as E&O insurance, this protects against claims of:
Negligence
Faulty workmanship
Failure to deliver promised services
If a client sues over a plumbing job gone wrong—even if it wasn’t your fault—this coverage helps with legal defense and settlements.
Umbrella insurance provides extra protection beyond your standard liability limits. It’s ideal for plumbing businesses that:
Work on large commercial projects
Have multiple employees or vehicles
Want added peace of mind
It kicks in when your other policies reach their coverage limits.
Final Thoughts
Insurance isn’t just a checkbox—it’s a strategic investment in your plumbing business. With the right coverage, you can take on jobs confidently, protect your assets, and grow your business without fear of unexpected setbacks.
At Wexford Insurance, we offer specialized insurance programs for plumbing contractors. Whether you need basic coverage or a comprehensive package, we’re here to help.
👉 Contact us today.
