Calculate plumber insurance costs. GL, workers comp, and water damage coverage for plumbing contractors. Based on 2026 NCCI data.
Calculate Your PremiumPlumber insurance is specialized coverage for plumbing contractors. It includes General Liability (crucial for water damage claims), Workers Compensation, and tools coverage. Water damage accounts for 45% of all plumber liability claims.
In 2026, plumber insurance costs $4,000-$10,000 per year. Plumbers have moderate workers comp rates ($8-$15 per $100 payroll) compared to high-risk trades like roofing. Most states require a plumbing license, and GCs require proof of insurance.