Coverage Guide
Plumber Insurance Coverage Guide
Essential coverage for plumbing contractors
Water Damage is #1 Risk
45% of all plumber liability claims involve water damage to customer property. Your General Liability policy covers these claims. Make sure you have adequate limits - water damage repairs can be very expensive.
Coverage Types
General Liability
Third-party claims, water damage
$3,800
Base Annual
Workers Compensation
Employee injury
$4,500
Base Annual
Tools & Equipment
Pipe cutters, torches
$450
Base Annual
Commercial Auto
Service vans
$2,000
Base Annual
Plumber vs Other Trades
| Trade | WC Rate (per $100) | Risk Level |
|---|---|---|
| Plumber | $8-$15 | Moderate |
| Electrician | $10-$18 | Moderate |
| Roofer | $25-$45 | High |
| Painter | $5-$10 | Low |