Professional plumber working on commercial plumbing

Plumbing Contractor Insurance

Comprehensive protection for plumbers and plumbing contractors. From water damage to gas line hazards, we cover the unique risks of your trade.

Get Your Free Plumbing Quote 1-800-252-6885

Coverage Types for Plumbing Contractors

Build a comprehensive insurance package that protects every aspect of your business.

General Liability

Protects against third-party claims for bodily injury and property damage, including water damage from leaks and burst pipes.

Workers Compensation

Covers medical expenses and lost wages for plumbers injured on the job, including back injuries and sewage exposure.

Commercial Auto

Covers service vans, excavation trucks, and plumbing equipment trailers.

Inland Marine / Equipment

Protects your plumbing tools, drain machines, camera inspection equipment, and pipe fittings.

Commercial Property

Covers your shop, warehouse, and stored inventory against fire, theft, and storm damage.

Pollution Liability

Covers cleanup costs if sewage or other pollutants escape during plumbing work.

Common Plumbing Contractor Risks

Understanding these risks helps you choose the right coverage.

Water damage from burst pipes, leaking fittings, or faulty installations

Sewage backup and contamination of customer property

Gas line leaks causing explosions or fire

Back injuries from lifting heavy pipes and equipment

Slip and fall injuries in wet work environments

Damage to underground utilities during excavation

Drain cleaner chemical burns and injuries

Frozen pipe damage in cold weather installations

Why Choose Greene & Associates?

Water Damage Expertise

We understand plumbing-specific liability risks including pipe bursts, leaks, and flood damage.

Tools & Equipment Focus

Protect your expensive diagnostic equipment, cameras, and specialized tools with comprehensive coverage.

Subcontractor Compliance

We help verify your subs have proper coverage to protect you from liability gaps.

Plumbing Contractor Insurance Throughout Florida

From Jacksonville river flooding to Miami high-rise repipes, Florida plumbing has regional challenges.

Jacksonville & Northeast FL

St. Johns River flooding, saltwater intrusion, old cast iron from decades past. Jacksonville plumbing is part archaeology, part engineering. Your insurance should understand both.

Jacksonville Insurance

Orlando & Central FL

New subdivisions popping up faster than you can rough-in the bathrooms. Slab leaks, re-piping, and tourist district commercial work. Orlando plumbing is volume business — we quote fast and price right.

Orlando Insurance

Tampa & Gulf Coast

Sewer laterals failing from ground shift, backflow from storm surge, marine plumbing for waterfront homes. The Gulf Coast is hard on pipes. We insure plumbers who know how to handle it.

Tampa Insurance

Miami & South FL

High-rise repipes, condo association jobs, salt water eating through copper. Miami plumbing contractors need water damage liability coverage that actually covers the exposure. We specialize in coastal risk.

Miami Insurance

Gainesville & North Central FL

UF dorms, old houses with galvanized nightmares, Shands medical plumbing that cannot go down. Gainesville plumbers handle everything from student rentals to surgical suites. So does your coverage.

Gainesville Insurance

Tallahassee & Panhandle

Government buildings with lead pipes from the 1940s. State contracts. FSU campus work. Tallahassee plumbing keeps the capitol running. We make sure you are covered if something goes sideways.

Tallahassee Insurance

Based in Lake City, serving plumbing contractors statewide.

Frequently Asked Questions

Yes, general liability insurance covers property damage caused by your work, including water damage from faulty installations or repairs. However, there are coverage limitations for known defects you're aware of. Discuss your specific situation with us to ensure proper coverage.

At minimum, you need general liability, workers compensation, and commercial auto. Since you're working with sewage and chemicals, you may also want pollution liability coverage. Many plumbers also opt for equipment coverage to protect expensive drain machines.

Most plumbing contractors pay $3,500-8,000/year for comprehensive coverage including GL, WC, and commercial auto. Costs vary based on crew size, revenue, coverage limits, and claims history. We shop multiple carriers to find competitive rates.

While general liability covers gas line installations, some carriers exclude gas line work or charge higher premiums. Make sure your policy specifically covers gas line installations. Some contractors also add umbrella coverage for extra protection.

Need to understand Florida workers comp? Read our complete guide to workers compensation requirements for Florida contractors.

Read: Workers Compensation for Florida Contractors: What You Need to Know →