The Hartford, Simply Business and Thimble offer the best cheap business insurance for plumbing companies, with rates starting at $60 monthly.
Get matched to the best plumbing contractor business insurer for you below.
Updated: November 9, 2025
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Plumbing contractors need multiple coverage types including workers' compensation, general liability, commercial auto and professional liability insurance to protect against job site risks.
The Hartford is ranked as the best business insurance provider for plumbing businesses, earning a MoneyGeek score of 4.78 out of 5 and with top scores in affordability, customer service and coverage options.
The Hartford offers the cheapest business insurance for plumbing companies, averaging $206 across the four common coverage types. It has the lowest rates for workers' compensation at $61 monthly.
The Hartford leads our rankings for plumbing contractor insurance with a MoneyGeek score of 4.78 out of 5, with perfect scores across all categories we analyzed: affordability, customer service and coverage options. It balances comprehensive protection with competitive pricing at $206 monthly ($2,477 annually).
We recommend comparing quotes from Simply Business, Thimble, Progressive Commercial and biBerk to find the best coverage for your plumbing service.
| The Hartford | 4.78 | $206 |
| Simply Business | 4.70 | $209 |
| Thimble | 4.50 | $228 |
| Progressive Commercial | 4.50 | $237 |
| biBERK | 4.50 | $256 |
| Nationwide | 4.50 | $276 |
| Hiscox | 4.40 | $260 |
| Chubb | 4.40 | $293 |
| NEXT Insurance | 4.37 | $349 |
| Coverdash | 4.20 | $357 |
Note: We based all scores on a plumbing business with two employees across professional liability, general liability, workers' comp and BOP policies.
Select your industry and state to get matched to the best provider for you and get customized quotes.
To find the right coverage for your plumbing business, check out these resources:
Lowest rates for BOP and professional liability coverage
Perfect scores for affordability, service and coverage
Top-ranked claims process and customer service satisfaction scores
A+ financial strength AM Best rating with strongest risk-adjusted capitalization
Digital experience ranks last
For plumbing contractors, The Hartford provides affordable coverage, protecting you from claims related to faulty installations or accidental water damage at client properties.
This insurer's contractors' equipment coverage extends beyond standard policies to protect your specialized tools, pipe cutters and diagnostic equipment. With an A+ financial strength rating from AM Best, its plumbing business insurance provides reliable protection for residential and commercial projects.
The Hartford offers plumbing businesses the most affordable overall coverage at $206 monthly ($2,477 annually). It leads for two coverage types: BOP insurance at $389 monthly and professional liability at $80 monthly. For the lowest workers' comp rates, check NEXT at $60, and Simply Business at $269 monthly for the cheapest general liability coverage.
| The Hartford | $206 | $2,477 |
| Simply Business | $209 | $2,504 |
| Thimble | $228 | $2,735 |
| Progressive Commercial | $237 | $2,848 |
| biBERK | $256 | $3,077 |
| Hiscox | $260 | $3,114 |
| Nationwide | $276 | $3,317 |
| Chubb | $293 | $3,514 |
| NEXT Insurance | $349 | $4,182 |
| Coverdash | $357 | $4,279 |
In general, plumbing business insurance costs are the following for the four most popular coverage types:
| BOP | $535 | $6,415 |
| General Liability | $363 | $4,361 |
| Professional Liability (E&O) | $90 | $1,076 |
| Workers Comp | $64 | $771 |
Plumbing contractors work in environments where accidents happen fast; burst pipes flood client properties, heavy equipment causes injuries, and one mistake can lead to expensive lawsuits. The right coverage for your plumbing business often includes workers comp, commercial auto, general liability, and professional liability policies, but some other optional coverages may be needed.
To learn more about whether you need different types of business insurance coverage:
Here's how to get business insurance for your plumbing company that fits your budget and covers the risks you actually face on job sites.
Think about real risks your plumbing business may experience: a loose pipe fitting floods a client's finished basement, your apprentice drops a wrench through drywall or someone steals your pipe threader from the job site.
Talk with other plumbing contractors in your area about their actual claims and which coverages saved them money.
Plumbing businesses pay different rates based on your setup. A residential plumber working solo pays less than a commercial plumbing contractor running multiple crews.
Know what plumbing companies your size pay so you can negotiate confidently and spot quotes that seem too high or suspiciously low.
Find reviews from plumbing contractors who filed claims for water damage, scalding injuries or stolen equipment. Check if insurers understand plumbing work: do they cover your drain snakes, inspection cameras and hydro-jetting equipment?
Some companies specialize in trade contractors and process plumbing claims faster than general business insurers.
Request quotes from three insurers who understand plumbing businesses. Independent agents know which carriers offer the best rates for trade contractors. Online quotes work fast for basic coverage, but calling insurers directly reveals discounts for licensed plumbers, clean safety records or bundling your work van insurance.
Your plumbing operations change as you add a second truck, hire journeyman plumbers, invest in trenchless repair equipment or start bidding commercial jobs. Review coverage yearly to match your current work.
You might need higher limits for commercial projects or lower rates after three years with no water damage claims.
Affordable protection for your plumbing company doesn't mean sacrificing quality coverage. The Hartford proves this by earning a MoneyGeek score of 4.78 out of 5 while charging just $206 monthly for policies covering water damage lawsuits, injured workers and stolen tools.
Your plumbing business needs the right mix of workers' compensation, general liability, commercial auto and professional liability insurance, plus other types of coverage to stay protected and legally compliant.
We answer frequently asked questions about plumbing company insurance:
The Hartford leads with a MoneyGeek score of 4.78 out of 5. Simply Business follows closely behind at 4.7, offering competitive rates and solid coverage options.
Here are the cheapest business insurance companies for plumbing companies by coverage type:
Workers' compensation (with employees) and commercial auto insurance (with business vehicles) are legally mandated for plumbing companies, though requirements differ by state. General liability coverage is practically essential for client contracts.
Plumbing company insurance costs per month by coverage type are as follows:
We selected the best business insurer for plumbing companies based on the following criteria:
All pricing in this article is based on the following base profile to represent the vast majority of small businesses in all states:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
