Plumbing business insurance costs vary significantly across coverage types, and understanding these differences helps you budget effectively. MoneyGeek's survey analysis shows monthly premiums range from $64 for workers' compensation to $535 for business owner's policy (BOP) coverage.
How Much Does Plumbing Business Insurance Cost?
You can get plumbing business insurance for as low as $64 per month. Your specific business details, coverage needs and location will determine your actual rate.
Discover cheap plumbing business insurance below.
Select your industry
Select state
Updated: August 19, 2025
Advertising & Editorial Disclosure
Key Takeaways
Plumbing business insurance costs range from $64 to $535 monthly, with general liability averaging $363 and business owner's policies reaching $535.
Your plumbing insurance premiums depend on location, claims history, property types serviced and employee count.
Shop multiple insurers, bundle policies, increase deductibles and pay annually to find affordable plumbing business insurance costs.
Average Plumbing Business Insurance Cost Overall
| BOP | $535 |
| General Liability | $363 |
| Professional Liability (E&O) | $90 |
| Workers' Comp | $64 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus on four coverage types: general liability, professional liability/E&O, workers' comp and business owner's policy. Survey results reflect limited sample data and may not represent all available rates in your area.
Plumbing Business Insurance Cost for General Liability Coverage by State
Your plumbing business general liability coverage costs depend on location. Maine offers the most savings at $315 monthly versus the $363 national average, while New York costs $423 monthly, giving you concrete data for business planning.
| Alabama | $356 |
| Alaska | $344 |
| Arizona | $341 |
| Arkansas | $348 |
| California | $405 |
| Colorado | $360 |
| Connecticut | $395 |
| Delaware | $391 |
| Florida | $393 |
| Georgia | $369 |
| Hawaii | $401 |
| Idaho | $344 |
| Illinois | $399 |
| Indiana | $354 |
| Iowa | $346 |
| Kansas | $353 |
| Kentucky | $335 |
| Louisiana | $416 |
| Maine | $315 |
| Maryland | $347 |
| Massachusetts | $381 |
| Michigan | $344 |
| Minnesota | $341 |
| Mississippi | $365 |
| Missouri | $359 |
| Montana | $362 |
| Nebraska | $344 |
| Nevada | $409 |
| New Hampshire | $361 |
| New Jersey | $412 |
| New Mexico | $365 |
| New York | $423 |
| North Carolina | $315 |
| North Dakota | $316 |
| Ohio | $337 |
| Oklahoma | $342 |
| Oregon | $337 |
| Pennsylvania | $419 |
| Rhode Island | $399 |
| South Carolina | $374 |
| South Dakota | $340 |
| Tennessee | $354 |
| Texas | $366 |
| Utah | $343 |
| Vermont | $349 |
| Virginia | $331 |
| Washington | $413 |
| West Virginia | $381 |
| Wisconsin | $357 |
| Wyoming | $336 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies. Survey results reflect limited sample data and may not represent all available rates in your area.
Plumbing Business Insurance Cost for Workers’ Compensation Coverage by State
Your plumbing business's cost for workers' compensation varies by state. Maine offers the lowest rates at $56 monthly, while New York charges the highest at $75 monthly. Our analysis reveals how state regulations and claim histories create these differences.
| Alabama | $63 |
| Alaska | $59 |
| Arizona | $61 |
| Arkansas | $62 |
| California | $71 |
| Colorado | $63 |
| Connecticut | $70 |
| Delaware | $69 |
| Florida | $69 |
| Georgia | $65 |
| Hawaii | $67 |
| Idaho | $61 |
| Illinois | $70 |
| Indiana | $62 |
| Iowa | $61 |
| Kansas | $63 |
| Kentucky | $60 |
| Louisiana | $73 |
| Maine | $56 |
| Maryland | $61 |
| Massachusetts | $67 |
| Michigan | $61 |
| Minnesota | $60 |
| Mississippi | $65 |
| Missouri | $63 |
| Montana | $63 |
| Nebraska | $61 |
| Nevada | $73 |
| New Hampshire | $63 |
| New Jersey | $73 |
| New Mexico | $65 |
| New York | $75 |
| North Carolina | $56 |
| Oklahoma | $60 |
| Oregon | $60 |
| Pennsylvania | $74 |
| Rhode Island | $71 |
| South Carolina | $66 |
| South Dakota | $60 |
| Tennessee | $62 |
| Texas | $65 |
| Utah | $61 |
| Vermont | $62 |
| Virginia | $59 |
| West Virginia | $68 |
| Wisconsin | $63 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on workers’ comp policies. Workers' compensation requirements vary by state and are mandated by state regulations. Survey results reflect limited sample data and may not represent all available rates in your area.
Plumbing Business Insurance Cost for Professional Liability Coverage by State
Professional liability insurance cost for professional liability varies by state for your plumbing business. The national average is $91 monthly. North Dakota offers the lowest rates at $77 monthly for E&O insurance, while New York charges the highest at $105 monthly.
| Alabama | $86 |
| Alaska | $82 |
| Arizona | $85 |
| Arkansas | $87 |
| California | $100 |
| Colorado | $88 |
| Connecticut | $97 |
| Delaware | $96 |
| Florida | $98 |
| Georgia | $89 |
| Hawaii | $93 |
| Idaho | $86 |
| Illinois | $97 |
| Indiana | $87 |
| Iowa | $87 |
| Kansas | $86 |
| Kentucky | $83 |
| Louisiana | $100 |
| Maine | $77 |
| Maryland | $86 |
| Massachusetts | $96 |
| Michigan | $87 |
| Minnesota | $85 |
| Mississippi | $92 |
| Missouri | $89 |
| Montana | $89 |
| Nebraska | $86 |
| Nevada | $102 |
| New Hampshire | $88 |
| New Jersey | $101 |
| New Mexico | $89 |
| New York | $105 |
| North Carolina | $79 |
| North Dakota | $77 |
| Ohio | $82 |
| Oklahoma | $83 |
| Oregon | $83 |
| Pennsylvania | $102 |
| Rhode Island | $100 |
| South Carolina | $93 |
| South Dakota | $84 |
| Tennessee | $88 |
| Texas | $92 |
| Utah | $85 |
| Vermont | $86 |
| Virginia | $82 |
| Washington | $101 |
| West Virginia | $94 |
| Wisconsin | $90 |
| Wyoming | $83 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on professional liability policies. Survey results reflect limited sample data and may not represent all available rates in your area.
Plumbing Business Insurance Cost for BOP Coverage by State
Business owner's policy rates show substantial variation in plumbing business insurance costs nationwide. Monthly premiums range from $455 in North Dakota to $628 in New York for comparable coverage.
| Alabama | $522 |
| Alaska | $509 |
| Arizona | $502 |
| Arkansas | $502 |
| California | $603 |
| Colorado | $523 |
| Connecticut | $587 |
| Delaware | $567 |
| Florida | $578 |
| Georgia | $547 |
| Hawaii | $595 |
| Idaho | $513 |
| Illinois | $587 |
| Indiana | $527 |
| Iowa | $513 |
| Kansas | $512 |
| Kentucky | $489 |
| Louisiana | $610 |
| Maine | $461 |
| Maryland | $505 |
| Massachusetts | $556 |
| Michigan | $507 |
| Minnesota | $504 |
| Mississippi | $545 |
| Missouri | $536 |
| Montana | $533 |
| Nebraska | $505 |
| Nevada | $601 |
| New Hampshire | $526 |
| New Jersey | $601 |
| New Mexico | $547 |
| New York | $628 |
| North Carolina | $456 |
| North Dakota | $455 |
| Ohio | $496 |
| Oklahoma | $504 |
| Oregon | $493 |
| Pennsylvania | $622 |
| Rhode Island | $584 |
| South Carolina | $554 |
| South Dakota | $497 |
| Tennessee | $523 |
| Texas | $537 |
| Utah | $504 |
| Vermont | $517 |
| Virginia | $484 |
| Washington | $604 |
| West Virginia | $569 |
| Wisconsin | $520 |
| Wyoming | $496 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on BOP coverage. Survey results reflect limited sample data and may not represent all available rates in your area.
Factors Affecting Plumbing Business Insurance Cost
Insurance companies look at several factors to determine your plumbing business insurance costs. Understanding these variables helps you plan your budget better. Here's how different elements affect your insurance rates.
Geographic location
Your business location affects workers' compensation rates due to local regulations and claim frequencies. Operating in flood-prone areas or regions with aging infrastructure increases your risk profile, and state differences create substantial premium variations.
Safety record and claims history
Previous claims impact future premiums, sometimes for three to five years. A single water damage lawsuit can substantially increase your general liability rates at renewal.
Types of properties serviced
Commercial buildings and industrial facilities carry higher liability risks than residential properties. Working in hospitals requires specialized safety protocols, while repairs in older buildings can expose workers to hazardous materials like asbestos.
Employee count and payroll
Insurers calculate workers' comp premiums based on your total payroll and job classifications. Adding employees increases your payroll costs, directly impacting your workers' compensation premiums since insurers calculate your rates per dollar of wages paid.
Services offered
Emergency repairs, commercial installations, and specialized services like gas line work carry different risk levels. A company offering only basic residential repairs faces lower premiums than one handling industrial plumbing systems.
Business size and revenue
Higher annual revenue typically means higher premiums since insurers view larger operations as having greater exposure to claims. For example, a solo plumber earning $75,000 annually pays less than a commercial plumbing company with $750,000 in revenue.
Coverage limits
Higher coverage limits provide better protection but cost more monthly. Choosing between different coverage amounts directly affects your premium, with higher limits increasing costs proportionally.
Equipment and vehicle values
More expensive plumbing equipment and service vehicles require higher coverage limits, increasing your premiums. A company using specialized pipe inspection cameras and hydraulic equipment worth thousands will pay more for equipment coverage than one using basic tools.
Credit Score and Financial Stability
In most states, insurers can consider your business credit score when setting rates. A strong credit score can reduce premiums, while poor credit often increases costs substantially.
How to Get Cheap Plumbing Business Insurance
Smart shopping and good business practices can lower your plumbing business insurance costs, and the proven strategies below will help reduce your premiums both now and in the future.
- 1
Choose the right coverage types for your business
Understanding what types of business insurance your plumbing company needs prevents overpaying for unnecessary coverage. General liability protects against water damage claims and accidents, while workers' compensation covers employee injuries. Commercial auto insurance is essential for service vehicles.
- 2
Shop multiple insurance companies
Insurance rates can vary significantly between providers for the same coverage. Request quotes from at least three companies to find the best rates. Consider working with an independent agent who can handle comparison shopping for you.
- 3
Bundle your coverage types
Insurance companies offer substantial discounts when you bundle multiple policies. Combining general liability, commercial property and commercial auto coverage with one provider typically costs less than separate policies from different insurers.
- 4
Increase your deductibles
Choosing higher deductibles reduces your monthly premium costs. This means you'll pay more out-of-pocket for small claims, but save money on regular insurance payments.
- 5
Pay annually instead of monthly
Monthly payment processing fees can add up quickly. Paying your premium annually often eliminates these fees and may qualify you for additional discounts.
- 6
Review and adjust your coverage annually
Your insurance needs change as your plumbing business grows. Review your policy yearly to ensure coverage matches your current operations and remove any unnecessary coverage.
Insurance for Plumbing Business Cost: Bottom Line
Plumbing business insurance costs range from $64 to $535 monthly, with your location, claims history and business size driving your actual premium. Getting quotes from multiple insurers, bundling your policies, choosing higher deductibles and paying annually instead of monthly helps you find more affordable rates.
Plumbing Business Insurance Cost: FAQ
Business owners often ask about plumbing company insurance costs, so our insurance experts gathered answers to the most common questions below.
What is the cheapest type of plumbing business insurance?
Workers' compensation insurance costs $64 monthly for plumbing businesses. However, general liability insurance ($363 monthly) is essential since it safeguards against customer injuries and property damage claims.
How much can I save by bundling my plumbing business insurance policies?
Bundling multiple policies through a business owner's policy offers the best value for plumbing companies. Many insurers provide discounts when combining essential coverages into one package.
What factors make my plumbing business insurance more expensive?
Factors that can make your plumbing business insurance costly include employee count, types of properties serviced, history of previous claims and types of services offered.
Should I choose a $500 or $2,500 deductible for my plumbing business insurance?
Higher deductibles mean lower monthly premiums but require more cash when filing claims. Choose based on your financial stability and claim frequency expectations.
How much does workers' compensation cost for plumbing businesses by state?
Workers' compensation rates for plumbing businesses vary by state, ranging from $56 monthly in Maine to $75 monthly in New York, helping companies plan their insurance expenses effectively.
Is business owner's policy (BOP) worth the extra cost for plumbing companies?
A business owner's policy costs $535 monthly and bundles general liability, commercial property and business interruption coverage. This comprehensive package delivers more value than purchasing individual policies.
How often should I shop around for plumbing business insurance quotes?
Review your plumbing business insurance annually and compare at least three providers. This helps secure better rates, particularly after business changes or growth.
How We Determined Plumbing Business Insurance Costs
We collected plumbing business insurance quotes from companies across different states. For consistent comparisons, every quote used the same business setup:
- Two employees (three people total, including the owner)
- $150,000 annual payroll
- $300,000 annual revenue
- Already insured status
- $1 million per occurrence and $2 million total per year for all coverage except BOP, which includes the same limits plus $5,000 business property coverage
This profile represents small plumbing businesses requiring comprehensive insurance coverage in most states. We chose companies offering broad national coverage and online quote capabilities, focusing on insurers that actively serve the plumbing industry.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.