How much does plumber insurance cost in Texas?

Plumbing contractor insurance typically costs $2,500 to $7,000 per year in Texas, depending on your revenue, employees, and coverage needs.

Does GL cover water damage I cause?

Yes, general liability covers property damage to third parties, including water damage caused by your plumbing work. This is one of the most common claims for plumbers.

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INSURANCE COVERAGE

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Insurance for Texas Plumbers

Coverage designed for the specific risks plumbing contractors face every day.

Average Insurance Cost: $2,500 – $7,000/year

Insurance for Plumbers in Texas

Plumbing contractors face significant liability risks including water damage, mold claims, and injuries from working in confined spaces. A single water damage claim can cost tens of thousands of dollars, making comprehensive insurance essential for any Texas plumbing business.

Common Risks for Plumbers

Water damage to client properties

Mold claims from plumbing leaks

Injuries from working in confined spaces

Property damage from excavation work

Completed operations claims from plumbing failures

Vehicle accidents

Recommended Coverage for Plumbers

General Liability

Covers water damage, property damage, and injury claims.

Workers' Compensation

Protects employees working in hazardous conditions.

Commercial Auto

Covers your service vehicles and work vans.

Inland Marine

Protects plumbing tools and equipment.

Frequently Asked Questions

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