A Comprehensive Guide to Plumbing Insurance: What You Need to Know

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Frequently Asked Questions

  • Who needs plumbing insurance?

    The following professionals require plumbers’ insurance:

    • Plumbing contractors
    • Piping contractors
    • Handyperson
    • Sprinkler installers
    • Water pump installers
    • Sewer hookup contractors
    • Water testing contractors
    • Septic system contractors

    Most individuals who work as plumbers or in the plumbing business should get plumbers’ liability coverage to protect themselves and their businesses.

  • Is plumbers’ insurance mandatory?

    Before getting your license to do plumbing work, many states require proof of liability insurance and a license bond for your business.

  • What does plumbing insurance not cover?

    Plumbing insurance provides a wide range of coverage, but this insurance policy doesn’t protect certain cases such as:

    • Damages caused by natural disasters
    • Damages due to normal wear and tear or improper maintenance
    • Damage caused by intentional acts or criminal activity
    • Damage caused by faulty installation


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