Commercial Plumbers Insurance That Won’t Leave You Drained
Request a QuoteIf you're a commercial plumber, you know the job is far more than tightening bolts or snaking drains. You solve urgent problems, work in unpredictable environments, and carry the weight of liability every time you walk onto a job site. That’s where commercial plumbers insurance comes in — to keep your business flowing, no matter what leaks your way.
At TWFG ~ Burridge Family Insurance, we specialize in protecting hardworking contractors just like you. Whether you're working on new construction, renovations, or emergency calls, our goal is to help you stay covered, stay confident, and keep your business moving forward.
🔧 Why Commercial Plumbers Insurance Matters
One unexpected burst pipe, one small mistake, one accident on a job site — and suddenly your business could be on the hook for thousands in damages, injuries, or lawsuits. That’s why commercial plumbers insurance is not just smart, it’s essential.
This type of policy protects your business, your tools, your employees, and your peace of mind. Whether you're a solo plumber or run a crew of ten, the right coverage keeps you in control of the things you can’t predict.
📊 Top Risks and Claims for Plumbing Businesses
Plumbing may not always get the spotlight, but the risks are real. Here’s a breakdown of common insurance claims made by commercial plumbing contractors:
| Claim Type | % of Claims | Average Payout |
|---|---|---|
| Water Damage to Property | 42% | $18,700 |
| Bodily Injury (Customer or Third Party) | 23% | $14,300 |
| Tool Theft or Vandalism | 18% | $6,500 |
| Employee Injury (Workers’ Comp) | 12% | $19,200 |
| Auto Accident (Commercial Vehicle) | 5% | $27,000 |
The takeaway? One wrong turn of the wrench can lead to a big financial mess. The right insurance makes sure you don't have to mop it up alone.
🧰 What Does Plumbers Insurance Cover?
Your business needs more than just a cookie-cutter policy. Here are the must-have protections included in a solid commercial plumbers insurance plan:
General Liability
Protects you if someone is injured or their property is damaged as a result of your work.
Workers’ Compensation
Covers your employees if they’re hurt on the job — from falls, tools, or lifting injuries.
Tools & Equipment
Replaces or repairs your gear if it’s lost, stolen, or damaged — even when it’s on the road.
Commercial Auto
Covers vans, trucks, and vehicles used to transport your crew and equipment.
Business Property
Covers your office or shop location, including materials, parts, and office gear.
Commercial Umbrella
Provides extra protection for those “just in case” moments that go beyond standard policy limits.
💡 Tips to Lower Your Premium
Let’s be real — insurance isn’t cheap. But there are ways to keep your costs under control:
- Bundle coverage types – Combine general liability, auto, and property for discounts.
- Maintain a clean claims history – Fewer claims can lead to better rates.
- Secure your tools – Use lockboxes and GPS tracking to prevent theft.
- Regular safety training – Fewer injuries can reduce your workers’ comp premium.
🛠️ Why Work with TWFG ~ Burridge Family Insurance?
At TWFG ~ Burridge Family Insurance, we’re not just paper pushers — we’re your partner. We understand the fast pace, the tough jobs, and the unexpected headaches that come with being a commercial plumber.
Our team builds policies around your business, not someone else's. You’ll get real-world protection, fast responses, and a team that has your back when it counts. Questions? Need a quote? We’re just a call away at 972-926-5355 or click the button below.
Request a QuoteYou keep the water running. We’ll keep the protection flowing. Let’s talk today about the right plumbers insurance for your business.
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