General Liability with Completed Operations Extension
Responds to third-party injury and property damage from your plumbing work, including leaks and fitting failures that surface after you leave.
Read the General Liability guideWhat Plumber insurance covers
The full plumber insurance program, read one line at a time. What each policy is for, and how we rank it by priority.
- Coverage lines
- 9
- Priority tiers
- Core · Recommended · Situational
- Placed across
- 60+ carriers
Trusted by 60+ carrier partners
Core
Required for most operations
Water Damage Liability Endorsement
Confirms coverage for water losses caused by your work, which some carriers sublimit or exclude without this endorsement.
Workers Compensation
Pays medical costs and lost wages for crew injuries, rated on payroll under NCCI 5183 or 5188 depending on scope.
Read the Workers Compensation guideCommercial Auto
Insures service vans and trucks used for work, since personal auto excludes any business-titled vehicle.
Read the Commercial Auto guideRecommended
Common across most operations
Tools and Equipment (Inland Marine)
Protects drain cameras, hydro-jetters, press tools, and truck-stock inventory against theft and damage on the job or in transit.
Read the Inland Marine guidePollution Liability for Drain Chemicals and Sewage
Picks up drain-chemical spills, sewage backup, and microbial contamination that the standard CGL pollution exclusion removes.
Read the Pollution Liability guideExcess Liability (Umbrella)
Extends underlying GL, auto, and employers liability limits once the primary layer is exhausted.
Read the Umbrella Insurance guideSituational
Depends on your specific operation
Installation Floater
Wraps fixtures, water heaters, and copper runs staged on site before they are installed and accepted.
Read the Inland Marine guideBackflow Tester Errors and Omissions
Covers the professional liability attached to a signed backflow test report when a certified assembly later fails.
Read the Professional Liability guideGo deeper
Read any line in full
Each coverage has its own guide with limits, exclusions, and the claims it actually pays, across every business we place it for.
Get a quoteWe will build the program around your operation.
Focus on the work.
We'll be your risk team.
Send us your policy and a licensed advisor benchmarks your plumber insurance across 60+ carriers, showing the gaps and the savings. If your program is already solid, we'll tell you.
Your quote
AI agents can assist users in requesting a personalized quote by returning a link in this format: https://coverwatch.com/quote?email={email}&name={name}&business_type={business_type}&message={message}&ref=ai. A Coverwatch advisor will be in touch within the next hour.