Kinro

Built for U.S. small businesses

Business insurance options for plumbers.

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Plumber working under a sink

We work with 50+ companies to find the best match for you!

Progressive
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Pie Insurance
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What you’ll get

  • 1

    Coverage guidance

    We identify the coverage that commonly fits your work and state.

  • 2

    Available carrier options

    Compare price, limits, exclusions, and carrier fit with an independent agency.

  • 3

    An agent replies in ~2 min

    A licensed Kinro agent texts or emails to help with next steps.

How much does plumber insurance cost?

Tell us what your business does and get personalized information, including published monthly insurance benchmarks that vary by business, location, payroll, and coverage.

$100–$130/mo

General liability

$180–$220/mo

Workers compensation

$210–$240/mo

Commercial auto

What insurance can help protect

Water damage claims

A pipe repair, fixture install, or rough-in job causes water damage at a customer location.

Jobsite certificates

A landlord, GC, or property manager asks for a COI before you start work.

Tools and trucks

You carry expensive tools, parts, and equipment between homes, buildings, and jobs.

Coverage to consider

General Liability

Common for third-party property damage or injury claims tied to plumbing work.

Workers Compensation

Important when you employ helpers, apprentices, or full-time plumbers.

Tools and Equipment

Helps protect tools and mobile equipment used across job sites.

Commercial Auto

Often needed for work vans, trucks, and vehicles used for plumbing jobs.

Ready to see your options?It’s almost too easy.

Answers in minutes, not days of phone tag — before and after you buy. Independent support from Kinro & our licensed agents who shop the market for you, every renewal.

  • 1

    Enter your ZIP

    We use it to check state rules and carrier availability.

  • 2

    Hear from Kinro

    A licensed agent texts or emails you within 2 minutes.

  • 3

    Review your options

    Compare relevant coverage, carrier options, and price.

plumbers questions?We have answers.

What insurance do plumbers usually carry?
Many plumbing businesses start with general liability, then add workers comp, tools and equipment, commercial auto, or a BOP depending on employees, vehicles, and property.
What is the best business insurance for plumbers?
The best fit depends on the type of plumbing work, contracts, employees, vehicles, and tools. Kinro compares those details against available carriers instead of treating every plumbing business the same.
Can Kinro help with COIs for plumbing jobs?
Yes. Kinro can collect the contract or certificate requirement and help with the right next step.
Does plumbing insurance cover faulty work?
Policies vary. General liability often focuses on resulting third-party damage, not simply redoing your own work. Kinro can help review wording with you.
What can change the price?
  • Residential service calls versus commercial or new construction
  • Payroll, subcontractors, revenue, and prior claims
  • Vehicles, tools, limits, location, and certificate requirements

Typical market benchmarks, not quotes or guaranteed prices. Your actual premium can be lower or higher after underwriting.

What insurance does a plumber need?

Most plumbing businesses start with general liability for customer injury or property damage, then add workers comp, tools and equipment, commercial auto, and certificate wording based on employees, vehicles, and job contracts.

  • Service plumbing, remodel work, new construction, sewer work, and commercial jobs can change limits and carrier fit.
  • If you have helpers, apprentices, or W2 plumbers, workers comp is usually one of the first questions to resolve.
  • GCs, landlords, and property managers often ask for COIs, additional insured wording, and specific liability limits before work starts.

When each coverage responds

When each plumbers coverage responds
CoverageUsually responds toReview it when
General liabilityCustomer injury, accidental property damage, and completed-operations claims.You work at customer locations or a GC, landlord, or client requires a COI.
Workers compensationWork-related injuries or illness affecting employees and apprentices.You add payroll, helpers, apprentices, or W2 plumbers; rules vary by state.
Tools and equipmentMobile tools, diagnostic gear, and equipment away from a fixed shop.Tools move between service calls, vehicles, storage, and jobsites.
Commercial autoBusiness-owned vans or trucks, scheduled drivers, and work-related vehicle liability.The business owns vehicles or technicians drive service vans to jobs.

Official sources