Coverage built for burst pipes, backflow, and everything after
One bad solder joint or a backflow failure can flood a building you were hired to fix. We connect you with specialists who understand plumbing-specific risk — and the certificate your GC or client will ask for.
What licensing boards & building codes require
We make sure your coverage meets the bar — and issue the certificates and filings you need to prove it.
- State plumbing license — many boards require proof of general liability and a surety bond to issue or renew itRequired
- Backflow-prevention certification in jurisdictions that regulate cross-connectionsRequired
- Workers' comp for any employee on a job site, required in nearly every stateRequired
Licensed Plumber Specialists Nationwide
A specialist who knows your state's licensing rules and can issue the certificates and filings you need.
What plumbers need to be covered
Water finds every gap, and plumbing mistakes rarely stay contained to the pipe you were working on — a slow leak behind a wall can run for weeks before anyone notices, and a failed backflow preventer can contaminate a building's water supply. The right policy protects against water-damage claims that dwarf the original job, not just the visible accident.
General Liability
Covers third-party bodily injury, property damage, and advertising injury claims — the foundational policy nearly every business carries.
Workers' Compensation
Pays medical bills and lost wages when an employee is injured on the job. Required in most states once you have employees.
Commercial Auto
Covers vehicles used for business — liability, collision, and physical damage for owned, hired, and non-owned autos.
Inland Marine
Covers tools, equipment, and goods while in transit or away from your primary location — beyond standard property limits.
Commercial Umbrella
Extends the limits of your underlying liability policies for large claims that could otherwise threaten the business.
Commercial Property
Protects your building, inventory, equipment, and furnishings against fire, theft, storms, and other covered losses.
Where plumbers get exposed
These are the scenarios our specialists see most often in your industry — and the coverage that responds when they happen.
Protect against these risksWater damage discovered after you've left
A fitting that lets go weeks after a repair can soak floors, drywall, and a client's belongings before anyone notices. This is squarely a completed-operations claim — general liability that keeps covering you past the invoice date.
Backflow & contamination incidents
A failed backflow preventer can let contaminated water into a clean supply — a serious exposure on commercial and multi-unit jobs. General liability covers the resulting claims.
Cutting into the wrong wall or line
Damage to flooring, drywall, or a neighboring line while accessing a pipe is one of the most common plumbing claims. General liability covers the repair costs.
Equipment riding in the van between jobs
Cameras, jetters, and pipe threaders travel job to job in the truck. Commercial auto covers the vehicle; inland marine covers the gear inside it.
Why plumbers can't skip coverage
- Many state plumbing boards require proof of active general liability insurance — and often a surety bond — before they'll issue or renew your license.
- Property managers and GCs on multi-unit or commercial jobs routinely require a certificate of insurance before a plumber can start work.
- Workers' compensation becomes a legal requirement in nearly every state the moment you have an employee on a job site.
By the numbers
$12,514
Avg. homeowners water-damage claim
1 in 60
Homes filing a water-damage claim, per year
90+
Specialists in our network
Plumbers insurance FAQ
Yes — that's what completed-operations coverage under your general liability policy is for. It responds to damage that surfaces days or weeks after a repair, not just accidents that happen while you're on site.
Get matched with a plumber specialist
Share a few details and a licensed agent who understands plumbers will reach out with tailored options. No cost, no obligation.
- Takes about 2 minutes
- One specialist, start to finish
- We compare multiple A-rated carriers
- Licensed to serve clients in your state