Best Plumbing Contractor Business Insurance

The Hartford leads our rankings for plumbing contractor insurance with a MoneyGeek score of 4.78 out of 5, with perfect scores across all categories we analyzed: affordability, customer service and coverage options. It balances comprehensive protection with competitive pricing at $206 monthly ($2,477 annually). 

We recommend comparing quotes from Simply Business, Thimble, Progressive Commercial and biBerk to find the best coverage for your plumbing service.

Note: We based all scores on a plumbing business with two employees across professional liability, general liability, workers' comp and BOP policies.

The Hartford offers plumbing businesses the most affordable overall coverage at $206 monthly ($2,477 annually). It leads for two coverage types: BOP insurance at $389 monthly and professional liability at $80 monthly. For the lowest workers' comp rates, check ERGO NEXT at $60, and Simply Business at $269 monthly for the cheapest general liability coverage.

In general, plumbing business insurance costs are the following for the four most popular coverage types:

• General Liability Cost: $363 on average per month, ranging from $315 to $423, depending on the state
• Workers' Comp: $64 on average per month, ranging from $56 to $75, depending on the state
• Professional Liability (E&O): $90 on average per month, ranging from $77 to $105, depending on the state
• BOP Insurance: $535 on average per month, ranging from $455 to $628, depending on the state

Plumbing contractors work in environments where accidents happen fast; burst pipes flood client properties, heavy equipment causes injuries, and one mistake can lead to expensive lawsuits. The right coverage for your plumbing business often includes workers comp, commercial auto, general liability, and professional liability policies, but some other optional coverages may be needed.

Here's how to get business insurance for your plumbing company that fits your budget and covers the risks you actually face on job sites.

Affordable protection for your plumbing company doesn't mean sacrificing quality coverage. The Hartford proves this by earning a MoneyGeek score of 4.78 out of 5 while charging just $206 monthly for policies covering water damage lawsuits, injured workers and stolen tools. 

Your plumbing business needs the right mix of workers' compensation, general liability, commercial auto and professional liability insurance, plus other types of coverage to stay protected and legally compliant.

We answer frequently asked questions about plumbing company insurance:

We selected the best business insurer for plumbing companies based on the following criteria:

• Affordability (50% of score): The lower a company's costs compared to the competition based on our base profile for four core coverage types, the better the company performs.
• Customer service (30% of score): We scored providers on overall customer satisfaction using industry studies, customer review forum ratings and public forum sentiment analysis from sites like Reddit.
• Coverage (15% of score): We scored business insurance providers for this category based on the flexibility, payment and actual coverage options.
• Financial stability (5% of score): Using financial stability industry ratings from companies like AM Best and Moody's, we created an overall rating to judge how likely companies are to pay out claims compared to the competition.

All pricing in this article is based on the following base profile to represent the vast majority of small businesses in all states:

• Three-person business with two employees
• Coverage: $1 million per occurrence and $2 million total per year for all but BOP, which includes the same coverage plus $5,000 of business property coverage
• $150,000 in payroll
• $300,000 annual revenue