2026 Calculator
Plumber Insurance Calculator
Estimate your plumbing contractor insurance costs
Legal Disclaimer
This estimate is based on projected 2026 data and industry averages. Actual premiums vary by insurer, location, and individual factors. Consult a licensed insurance agent for accurate quotes.
*Based on estimated 2026 projections. Data may not reflect real-time legislative changes.
Frequently Asked Questions
How much does plumber insurance cost in 2026?
Plumber insurance typically costs $4,000-$10,000 per year including GL and workers comp. General liability alone ranges from $2,500-$5,000. Rates are moderate compared to other construction trades due to lower fall risk, but water damage claims can increase premiums.
What insurance does a plumber need?
Plumbers need: General Liability (covers water damage claims), Workers Compensation (required by law with employees), Commercial Auto for service vehicles, and Tools & Equipment coverage. Many customers and GCs require proof of GL before hiring.
Does plumber insurance cover water damage to customer property?
Yes. General liability insurance covers third-party property damage, including water damage caused by your work. This is one of the most common plumber claims. Your policy will pay for repairs to the customer's property up to your coverage limits.
Why is plumber insurance cheaper than roofing insurance?
Plumbers have lower injury rates than roofers because they work on the ground or at low heights. Workers comp rates for plumbers are $8-$15 per $100 payroll, while roofers pay $25-$45. However, water damage claims can still be costly.
Do I need a plumbing license to get insurance?
Most states require a plumbing license to operate legally, and insurers typically require proof of licensure. Operating without a license can void your insurance coverage and result in fines. Check your state's requirements.