Plumbing is a critical trade that keeps homes and businesses functioning. But behind the pipes, valves, and water heaters lies a job full of risk. From water damage to jobsite injuries, plumbers face a variety of hazards that can lead to costly lawsuits or lost income. That’s where plumbers insurance comes in.
Why Plumbers Insurance Matters
According to The Hartford, one in three plumbers will face a liability claim during their career. Whether you’re a solo contractor or own a small plumbing company, insurance is more than just protection—it’s a business necessity.
Some of the biggest risks plumbers face include:
Water Damage:
Even a small mistake during installation can result in thousands of dollars in property damage. Water-related insurance claims can average between $7,000 and $15,000, and sometimes even more when litigation is involved.
Tool Theft or Damage:
Plumbers invest heavily in tools and equipment—anywhere from $5,000 to $10,000 on average. Tools are frequently stolen from work vans or damaged at job sites, which can delay projects and hurt your income.
Workplace Injuries:
Plumbing has a 25% higher injury rate than the national average, according to the Bureau of Labor Statistics. Common injuries include back strains, falls, and chemical exposure. Without proper workers’ compensation insurance, these accidents can result in out-of-pocket expenses or lawsuits.
Vehicle Accidents:
If you use a commercial van or truck, your personal auto policy may not cover accidents during work. Commercial auto insurance protects your business vehicle, cargo, and tools.
Types of Insurance Every Plumber Needs
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General Liability Insurance – Covers third-party property damage, bodily injury, and legal costs.
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Commercial Auto Insurance – Protects your work vehicle, especially if transporting tools or materials.
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Tools and Equipment Coverage – Pays to repair or replace stolen or damaged tools.
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Workers’ Compensation – Required if you have employees. Covers medical care and lost wages due to injuries.
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Surety Bonds – Required for many jobs and licenses to guarantee project completion and performance.
Stay Compliant with California Regulations
In California, licensed plumbers must carry general liability insurance in order to maintain their contractor’s license. Failing to comply can result in suspended licenses, hefty fines, or even being barred from bidding on jobs.
Bundle and Save
Insurance providers often offer discounts of up to 20% when bundling multiple policies. Bundling general liability, commercial auto, and equipment insurance not only saves you money, but also simplifies your billing and claims process.
Protect Your Business with the Right Coverage
At Monreal Insurance Solutions, we specialize in insurance for tradespeople, including plumbers. We’ll help you find affordable coverage tailored to your needs, whether you’re located in Corona, Norco, Orange, or anywhere in California.
For more info, text or call Monreal Insurance Solutions (909) 757-1311.