Insurance built for plumbing contractors.

That is the products-completed-operations side of general liability, and on completed plumbing work it is the exposure that matters most. A fitting, connection, or valve you installed or repaired that later fails and floods a finished space, causing third-party property damage, is what this part of the policy is built to respond to. How the policy is triggered — on an occurrence basis versus a claims-made basis — changes how a claim that surfaces months after the job is finished is handled, which is exactly the nuance we walk owners through.

Usually not on its own. The standard general liability policy carves out sewage backups, contaminant discharges, and fuel or gas incidents through its pollution exclusion — the exact exposures drain, sewer, and gas work create. That is why a dedicated pollution liability line matters for a plumbing operation. We walk owners through where the general liability policy stops and the pollution line begins, so the gap is covered rather than discovered after a loss.

Employers liability is the part of a workers compensation policy that responds when an injured employee brings a suit that falls outside the no-fault comp benefit itself. It sits alongside the medical-and-wage benefit, and an umbrella policy can sit excess of it. For a plumbing crew working in trenches, confined spaces, and around scald and burn hazards, it is a meaningful part of how the program is structured — not a line item to ignore.

Those are two different lines. Commercial auto answers the service trucks and vans that run between the shop and the jobsite every working day — the mobile, truck-roll exposure a personal or generic policy is not built for. Contractors equipment, an inland marine line, answers the tools, sewer cameras, pipe locators, drain machines, and staged fixtures on the jobsite and in transit. A plumbing program should carry both, matched to how you actually run the operation.

In most states, yes — plumbing is among the most-licensed trades, usually through journeyman and master tiers issued by a state plumbing board. Some states run licensing at the state level, and some defer to local jurisdictions. Because it varies, the honest answer is state-by-state — we confirm what your specific state and locality require rather than assuming a single national rule, and we never point you at a license or tier that does not exist.

There is no single price, because premium is driven by your specific operation. The biggest factors are your payroll and crew classifications, your revenue, the mix of work you do — residential service and remodel versus commercial systems and new construction — whether you run drain, sewer, or gas lines, the number and value of your service trucks, and your prior claims history. A residential service shop and a commercial new-construction contractor look very different to an underwriter. We price to the real risk rather than a generic guess.