Core coverages in this program
- •General Liability with Completed Operations
- •Installation Floater
- •Contractors Pollution Liability
- •Workers' Compensation
- •Commercial Auto
- •Commercial Umbrella
Why plumbers need a completed-operations-heavy GL
The most expensive plumbing claim is not an on-the-job injury — it's a slow leak from a fitting that fails weeks after the tech left the site. That is a completed-operations claim. If your GL has a low completed-ops aggregate or a short reporting window, the claim can eat your entire annual limit in one payout.
Who this fits
Plumber insurance is right for:
- •Residential service & repair plumbers
- •New-construction rough-in plumbing contractors
- •Water heater installers (tank & tankless)
- •Backflow prevention & testing contractors
- •Sewer & septic contractors (higher-hazard tier)
- •Commercial mechanical plumbing shops
Need a COI for a contract?
Send us the contract's insurance requirements and we'll tell you exactly what coverage satisfies them — existing clients get same-day certificates.
How much does plumber insurance cost?
A solo residential plumber pays $1,200–$2,500 per year for $1M/$2M GL. A small 3-truck plumbing shop typically lands at $8,000–$15,000 across GL, work comp, and auto. Workers' comp on class 5183 (plumbing) prices at $5–$11 per $100 of payroll — significantly less than the 5645 code plumbers are sometimes mis-classified into.
The sewer / septic add-on plumbers routinely miss
If you touch main lines, septic tanks, or backflow devices, the standard pollution exclusion on your GL can deny sewage-backup claims. A modest Contractors Pollution Liability endorsement — often $500–$1,200 — closes that gap and is required by many commercial contracts.
Have Insurance Requirements From a Client?
Send us the insurance requirements from your contract, lease, vendor agreement, or licensing agency. A KTL commercial insurance specialist will review the requirements and help determine the coverage, limits, and endorsements you need.
Ready for a benchmarked quote?
A KTL specialist will shop your risk across multiple A-rated markets within one business day.