Plumbers Insurance: Protection That’s as Reliable as Your Work
Request a QuoteEvery pipe you tighten and every faucet you install is backed by your skill, hard work, and reputation. But what backs *you* up when the unexpected strikes? That’s where plumbers insurance comes in—your first line of defense when a job doesn’t go quite as planned.
From leaky fittings to property damage, your work is full of potential risks. At TWFG ~ Burridge Family Insurance, we help you stay protected with custom plumbing insurance coverage that meets industry requirements and keeps your business flowing smoothly.
Whether you're a solo plumber or running a team of techs, we’ll work with you to tailor a policy that fits your needs—so you can focus on the work, not the what-ifs.
Why Plumbers Insurance Is a Must
Plumbers are problem-solvers. But even the best plumbing jobs can result in costly damages or injuries. Imagine finishing a job only to find out later a fitting failed and caused water damage to a home’s walls and flooring. That one incident could drain your finances without proper insurance.
That’s why having plumbers insurance isn’t just smart—it’s essential. The right insurance policy safeguards you from claims that could otherwise cripple your business. With TWFG ~ Burridge Family Insurance on your side, you can keep your focus where it belongs: on quality work and satisfied clients.
What Does Plumbers Insurance Cover?
We’ll work with you to put together a comprehensive coverage plan. Here are the key coverages we typically recommend for plumbing professionals:
General Liability
Covers property damage or bodily injury to third parties caused by your work. Think water damage from a faulty valve installation.
Commercial Property
Protects your tools, equipment, and office space from fire, theft, or vandalism.
Commercial Auto
If you or your crew use vehicles to get to job sites, this covers accidents, theft, and damage on the road.
Workers Compensation
Required in most states if you have employees, this protects your team from injuries while on the job.
Equipment Breakdown
Covers the cost of repairing or replacing tools and machinery that fail due to electrical or mechanical breakdown.
Errors and Omissions (E&O)
Also known as professional liability, this protects you against claims of negligence or incomplete work—even if the claim is unfounded.
Average Claim Costs for Plumbing Businesses
Here’s a look at common claim types and their average costs for plumbers:
| Claim Type | Average Cost |
|---|---|
| Water Damage to Property | $27,000 |
| Slip & Fall Injury | $34,500 |
| Theft of Tools from Vehicle | $6,500 |
| Back Injury on Job | $42,000 |
| Negligence Lawsuit (E&O) | $58,000 |
Who Needs Plumbers Insurance?
If you’re doing plumbing work professionally—even if you’re just starting out—you need insurance. It doesn’t matter if you’re handling residential bathroom remodels, commercial site build-outs, or emergency water main repairs—accidents don’t discriminate.
Here’s who should consider plumbing insurance:
- Independent Plumbers looking to cover themselves and their tools.
- Plumbing Contractors managing crews and multiple job sites.
- Subcontractors needing coverage to meet contract requirements.
- Journeymen transitioning into their own business.
Why Choose TWFG ~ Burridge Family Insurance?
We know the trades. And we know insurance. That’s what makes working with TWFG ~ Burridge Family Insurance such a smart move for plumbing pros. We offer:
- Quick Quotes: Get coverage fast so you don’t lose out on the next job.
- Local Service: Our team is based right here and understands the local construction scene.
- Tailored Policies: We don’t believe in cookie-cutter coverage. You get exactly what you need—nothing more, nothing less.
From jobsite risks to business continuity, we’re with you every step of the way.
Let’s Protect What You’ve Built
You’ve worked hard to build your plumbing business, earn your licenses, and gain your customers’ trust. One wrong move or accident shouldn’t take all that away. Let TWFG ~ Burridge Family Insurance help you safeguard your business with plumbers insurance that works as hard as you do.
Start a conversation with us today. We’ll walk you through everything and give you real answers—not sales talk.
Request a Quote
Have questions? Call us at 972-926-5355 and let’s chat about how we can help protect your business.
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