Industry guide
Insurance for plumbers
Plumbing claims often involve water, and water damage can be expensive and slow to appear. Insurance reviews for plumbers focus on how general liability treats damage from your work, completed operations, vehicles and tools, and the requirements builders and property managers set.
Where insurance questions come from
Water damage
Leaks from your work can damage floors, walls, and contents, raising general liability and completed operations questions.
Work in occupied buildings
Service calls in homes and businesses bring property damage and bystander injury questions.
Service vans and tools
Vans, tools, and parts need auto and inland marine coverage.
Crew injuries
Lifting, cutting, and confined-space work are workers' compensation exposures.
Coverage that commonly comes up
- General Liability InsuranceWater damage and completed operations.
- Commercial Auto InsuranceService vans and trucks.
- Workers' Compensation InsurancePlumbers and helpers.
- Business Owner's Policy (BOP)Some smaller plumbing shops qualify.
This page is general information about how these policies commonly work. Every policy's own forms, endorsements, and exclusions decide what it covers. For advice about your business, talk with a licensed insurance agent.
Paperwork customers and contracts ask for
- Certificates of insurance for general contractors and property owners
- Additional insured and waiver of subrogation endorsements
- Workers' compensation certificates from your subcontractors
- Vehicle and equipment schedules
Keep these together in your PolicyChecked account, so you can answer a certificate request in minutes.
Before your renewal or your next contract
What to check on your own policy
- Completed operations coverage and limits
- Exclusions or limits on water damage
- Tools and parts inventory coverage
- Take-home vehicle use
- Additional insured requirements from builders and property managers
Not sure what your policy says?
Upload your declarations page. The free AI coverage check lists your coverages, limits, and deductibles in plain language and flags items to discuss with a licensed agent.
Check Your CoveragePlumbers: common questions
Other industries we work with
- ContractorsLiability, vehicles, tools, and the certificates every general contractor asks for.Learn more
- Construction CompaniesLiability, builder's risk, and managing the insurance of every subcontractor you hire.Learn more
- Trucking CompaniesAuto liability, cargo, physical damage, and the filings your authority requires.Learn more
- RestaurantsGuests, kitchens, staff, and, if you serve alcohol, liquor liability.Learn more
- Retail StoresCustomers in your store, inventory on your shelves, and payments at your register.Learn more
- Landscaping CompaniesProperty damage on clients' lawns, trucks and trailers, mowers, and seasonal crews.Learn more
Know what you're covered for before you need it.
Check your coverage free in about a minute, then talk with a licensed agent about anything you want to change or quote.