Best Plumber Insurance 2026

Covers property damage and bodily injury during and after your work. Completed operations is the most critical extension — it covers water damage claims that arise after you leave the job site. Most state plumbing licenses require proof of GL. Commercial and residential general contractors require it before allowing subs on site.

Covers pipe cameras, hydrojets, leak detection equipment, hand tools, and power tools from theft, damage, and loss at job sites and in your vehicle. Specialized plumbing equipment (camera inspection systems alone can cost $5,000–$15,000) is not covered by GL if stolen or damaged.

Covers your service vehicle and any equipment stored in it while driving to and from jobs. Personal auto policies exclude regular business use. If you are driving to an emergency plumbing call and cause an accident, your personal auto policy will deny the claim.

Required in most states with any employees. Plumbing involves physical risk: confined space entry, burns from soldering, ergonomic injuries from tight working positions, chemical exposure from drain cleaners. WC covers medical costs and lost wages for injured employees.

Required by most states as a condition of plumbing contractor licensing. Protects clients from contractor default — does NOT protect you from claims. Bond cost: $100–$300/year for $10,000–$15,000 bond amounts. Required separately from your insurance.