Insurance for Texas Plumbing Contractors
We work with plumbing contractors every day — from one-truck operations doing residential service calls to larger outfits running crews on new construction. The risks are real: water damage claims are the most common GL claim we see for plumbers, and a single burst pipe in a finished home can cost tens of thousands. Whether you're just getting started or shopping your renewal, we'll find the right coverage at the best price.
Key Risks
- ⚠Water damage to client property from faulty installations or repairs — this is the big one
- ⚠Employee injuries from working in confined spaces, with heavy equipment, or around hazardous materials
- ⚠Property damage to existing structures during renovation or repair work
- ⚠Vehicle accidents while driving between job sites all day
- ⚠Tool and equipment theft from trucks or job sites — we see this constantly
- ⚠Completed operations claims — leaks or failures that show up weeks or months after the job is done
Required Coverages
General Liability
Covers third-party property damage and bodily injury claims — the foundation of plumber insurance. You can't get on most job sites without it.
Workers' Compensation
Covers medical costs and lost wages when your employees get hurt on the job. Most GCs require it from plumbing subs.
Commercial Auto
Covers your work trucks and vans. Personal auto doesn't cover business use — don't find out the hard way.
Tools & Equipment
Protects your plumbing tools and equipment on the job site or in transit. Tool theft from trucks is extremely common.
Surety Bonds
Required for Texas plumbing licenses and many commercial contracts.
Job Requirements
- ✓Most GCs require $1M/$2M general liability limits
- ✓Commercial projects often require workers' comp regardless of state law
- ✓City and county permits may require proof of insurance
- ✓Texas plumbing license requires a surety bond
- ✓Many property managers require COIs before you start work
Frequently Asked Questions
How much does plumber insurance cost in Texas?
General liability for a small plumbing operation typically starts around $800–$2,000/year. Total costs depend on your revenue, employees, vehicles, and coverage needs. We shop multiple carriers to find you the best rate.
Do I need workers' comp as a sole proprietor plumber?
Texas doesn't require it for sole proprietors, but many GCs and commercial clients require it from all subs — even one-person operations. We see this catch people off guard all the time.
What's the most common claim for plumbers?
Water damage to client property. A faulty connection or missed leak can cause thousands in damage to floors, walls, and personal property. It's the number one claim we see.