Monthly plumbing business insurance ranges from $56 to $628, with an average cost of $263 based on your policy and state.
Get matched with cheap plumbing business insurance below.
Updated: October 19, 2025
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Plumbing business insurance costs range from $669 to $7,532 annually on average, depending on your coverage type, state and sub-industry.
Your plumbing insurance premiums depend on location, claims history, the types of properties you service and your employee count.
Shop multiple business insurers, bundle policies, increase deductibles and pay annually to find affordable plumbing business insurance costs.
We found average business insurance costs for plumbing companies for commonly needed coverage are as follows:
| BOP | $535 | $6,415 |
| General Liability | $363 | $4,361 |
| Professional Liability (E&O) | $90 | $1,076 |
| Workers' Comp | $64 | $771 |
Note: We based these rates on small businesses with two employees across 79 major industries, focusing on four coverage types: general liability, professional liability/errors and omissions (E&O), workers' comp and business owner's policy. Your actual rates will vary based on your specific business factors and location.
Select your industry and state to get a customized quote.
Your plumbing business cost for general liability insurance varies by location. Maine provides the best value at $315 monthly compared to the $364 national average, while New York reaches $423 monthly.
| Alabama | $356 | $4,277 |
| Alaska | $344 | $4,131 |
| Arizona | $341 | $4,098 |
| Arkansas | $348 | $4,181 |
| California | $405 | $4,856 |
| Colorado | $360 | $4,322 |
| Connecticut | $395 | $4,737 |
| Delaware | $391 | $4,687 |
| Florida | $393 | $4,719 |
| Georgia | $369 | $4,428 |
| Hawaii | $401 | $4,813 |
| Idaho | $344 | $4,133 |
| Illinois | $399 | $4,786 |
| Indiana | $354 | $4,252 |
| Iowa | $346 | $4,150 |
| Kansas | $353 | $4,234 |
| Kentucky | $335 | $4,015 |
| Louisiana | $416 | $4,990 |
| Maine | $315 | $3,777 |
| Maryland | $347 | $4,159 |
| Massachusetts | $381 | $4,574 |
| Michigan | $344 | $4,128 |
| Minnesota | $341 | $4,089 |
| Mississippi | $365 | $4,380 |
| Missouri | $359 | $4,312 |
| Montana | $362 | $4,340 |
| Nebraska | $344 | $4,124 |
| Nevada | $409 | $4,903 |
| New Hampshire | $361 | $4,335 |
| New Jersey | $412 | $4,940 |
| New Mexico | $365 | $4,384 |
| New York | $423 | $5,072 |
| North Carolina | $315 | $3,777 |
| North Dakota | $316 | $3,788 |
| Ohio | $337 | $4,045 |
| Oklahoma | $342 | $4,109 |
| Oregon | $337 | $4,049 |
| Pennsylvania | $419 | $5,031 |
| Rhode Island | $399 | $4,790 |
| South Carolina | $374 | $4,490 |
| South Dakota | $340 | $4,075 |
| Tennessee | $354 | $4,252 |
| Texas | $366 | $4,397 |
| Utah | $343 | $4,115 |
| Vermont | $349 | $4,186 |
| Virginia | $331 | $3,970 |
| Washington | $413 | $4,957 |
| West Virginia | $381 | $4,574 |
| Wisconsin | $357 | $4,278 |
| Wyoming | $336 | $4,031 |
Note: We based these general liability rates on plumbing businesses with two employees across different states. Your rates will vary based on your services, claims history and the number of employees.
The cost of workers' compensation insurance for plumbing businesses varies by state. Maine has rates around $56 monthly, while New York reaches $75 monthly. Our analysis shows state regulations and claim histories drive these pricing differences.
| Alabama | $63 |
| Alaska | $59 |
| Arizona | $61 |
| Arkansas | $62 |
| California | $71 |
| Colorado | $63 |
| Connecticut | $70 |
| Delaware | $69 |
| Florida | $69 |
| Georgia | $65 |
| Hawaii | $67 |
| Idaho | $61 |
| Illinois | $70 |
| Indiana | $62 |
| Iowa | $61 |
| Kansas | $63 |
| Kentucky | $60 |
| Louisiana | $73 |
| Maine | $56 |
| Maryland | $61 |
| Massachusetts | $67 |
| Michigan | $61 |
| Minnesota | $60 |
| Mississippi | $65 |
| Missouri | $63 |
| Montana | $63 |
| Nebraska | $61 |
| Nevada | $73 |
| New Hampshire | $63 |
| New Jersey | $73 |
| New Mexico | $65 |
| New York | $75 |
| North Carolina | $56 |
| Oklahoma | $60 |
| Oregon | $60 |
| Pennsylvania | $74 |
| Rhode Island | $71 |
| South Carolina | $66 |
| South Dakota | $60 |
| Tennessee | $62 |
| Texas | $65 |
| Utah | $61 |
| Vermont | $62 |
| Virginia | $59 |
| West Virginia | $68 |
| Wisconsin | $63 |
Note: We based these workers' comp rates on plumbing businesses with two employees across different states. Your workers' comp requirements and costs will vary by state since each has different regulations.
Your professional liability cost varies by state. This coverage averages $90 monthly nationwide. North Dakota offers the most affordable rates at $77 monthly, while New York has the highest costs at $105 monthly.
| Alabama | $86 |
| Alaska | $82 |
| Arizona | $85 |
| Arkansas | $87 |
| California | $100 |
| Colorado | $88 |
| Connecticut | $97 |
| Delaware | $96 |
| Florida | $98 |
| Georgia | $89 |
| Hawaii | $93 |
| Idaho | $86 |
| Illinois | $97 |
| Indiana | $87 |
| Iowa | $87 |
| Kansas | $86 |
| Kentucky | $83 |
| Louisiana | $100 |
| Maine | $77 |
| Maryland | $86 |
| Massachusetts | $96 |
| Michigan | $87 |
| Minnesota | $85 |
| Mississippi | $92 |
| Missouri | $89 |
| Montana | $89 |
| Nebraska | $86 |
| Nevada | $102 |
| New Hampshire | $88 |
| New Jersey | $101 |
| New Mexico | $89 |
| New York | $105 |
| North Carolina | $79 |
| North Dakota | $77 |
| Ohio | $82 |
| Oklahoma | $83 |
| Oregon | $83 |
| Pennsylvania | $102 |
| Rhode Island | $100 |
| South Carolina | $93 |
| South Dakota | $84 |
| Tennessee | $88 |
| Texas | $92 |
| Utah | $85 |
| Vermont | $86 |
| Virginia | $82 |
| Washington | $101 |
| West Virginia | $94 |
| Wisconsin | $90 |
| Wyoming | $83 |
Note: We based these professional liability rates on plumbing businesses with two employees across different states. Your actual rates will depend on your services offered and location.
Your plumbing business insurance costs depend heavily on your state, with business owner's policy (BOP) premiums varying dramatically across the country. BOP insurance cost ranges from $455 in North Dakota to $628 in New York for the same coverage level. This $173 monthly difference shows how location affects your insurance budget more than any other single factor.
| Alabama | $522 |
| Alaska | $509 |
| Arizona | $502 |
| Arkansas | $502 |
| California | $603 |
| Colorado | $523 |
| Connecticut | $587 |
| Delaware | $567 |
| Florida | $578 |
| Georgia | $547 |
| Hawaii | $595 |
| Idaho | $513 |
| Illinois | $587 |
| Indiana | $527 |
| Iowa | $513 |
| Kansas | $512 |
| Kentucky | $489 |
| Louisiana | $610 |
| Maine | $461 |
| Maryland | $505 |
| Massachusetts | $556 |
| Michigan | $507 |
| Minnesota | $504 |
| Mississippi | $545 |
| Missouri | $536 |
| Montana | $533 |
| Nebraska | $505 |
| Nevada | $601 |
| New Hampshire | $526 |
| New Jersey | $601 |
| New Mexico | $547 |
| New York | $628 |
| North Carolina | $456 |
| North Dakota | $455 |
| Ohio | $496 |
| Oklahoma | $504 |
| Oregon | $493 |
| Pennsylvania | $622 |
| Rhode Island | $584 |
| South Carolina | $554 |
| South Dakota | $497 |
| Tennessee | $523 |
| Texas | $537 |
| Utah | $504 |
| Vermont | $517 |
| Virginia | $484 |
| Washington | $604 |
| West Virginia | $569 |
| Wisconsin | $520 |
| Wyoming | $496 |
Note: We based these BOP rates on plumbing businesses with two employees across different states. Your actual rates will vary based on your business size, location and coverage needs.
Plumbing business insurance costs vary widely by provider, ranging from $206 to $357 monthly. Commercial insurers target specific markets based on profitability, shifting focus over time as they expand coverage options for different industry groups.
| Chubb | $293 | $3,514 |
| Coverdash | $357 | $4,279 |
| Hiscox | $260 | $3,114 |
| NEXT Insurance | $349 | $4,182 |
| Nationwide | $276 | $3,317 |
| Progressive Commercial | $237 | $2,848 |
| Simply Business | $209 | $2,504 |
| The Hartford | $206 | $2,477 |
| Thimble | $228 | $2,735 |
| biBERK | $256 | $3,077 |
Your plumbing business insurance costs depend on multiple factors insurers review when determining your policy rates.
Building codes and master plumber requirements differ dramatically state by state. Operating in jurisdictions with strict licensing and permit enforcement means navigating more complex regulatory landscapes that influence insurance pricing.
Water damage claims from burst pipes or faulty installations can be financially devastating. Prior incidents involving flooding, mold growth or sewer backups will keep your premiums elevated long after repairs are complete.
Repairing residential faucets and drain clogs presents manageable risk levels. Contractors installing complex systems in commercial buildings or working on municipal infrastructure encounter far greater exposure and corresponding premium adjustments.
Plumbers work with heavy materials in cramped spaces, creating legitimate injury hazards. Every journeyman and apprentice on your payroll increases workers' comp costs, with rates tied directly to wages and the physically demanding nature of the trade.
Basic repairs and fixture replacements sit at the lower risk end for plumbing work. Expand into gas line installation, backflow prevention or commercial water heater systems and you're handling projects that demand higher insurance limits.
Call volume and project complexity tell insurers about your overall claim potential. One-truck operations billing $120,000 through residential service calls operate very differently than established companies earning $600,000 across commercial contracts.
Water damage liability can escalate quickly when something goes wrong. While $1 million in general liability covers many residential jobs, commercial work often demands $2 million or more to protect against catastrophic flooding scenarios.
Specialty tools, pipe threading machines and service vans represent capital investments. Companies running multiple fully-stocked trucks with diagnostic equipment need considerably more property coverage than solo plumbers with basic hand tools.
Master plumber credentials and proper bonding demonstrate professionalism to underwriters. Maintaining clean regulatory records and solid credit unlocks better rates, while license issues or financial troubles drive premiums upward.
Reducing your plumbing business insurance cost requires strategic shopping and our step-by-step guide to smart business practices. Here's how you can find the best cheap business insurance for your plumbing business and build a better risk profile over time.
Plumbing contractors need general liability for water damage from burst pipes and leaks, professional liability for installation errors and faulty repairs and completed operations coverage since problems often surface months after jobs finish.
Add commercial auto for service vans, inland marine for tools and equipment, workers' compensation for injury risks and pollution liability if you work with septic systems or wastewater.
Plumbing insurance rates vary based on whether you handle residential service calls, commercial installations, or specialized work like gas lines and backflow prevention. Contractors-focused insurers understand licensing requirements and water damage liability better than general carriers.
Combining general liability, professional liability and commercial auto saves 19% to 27% compared to purchasing separately. Many insurers offer plumbing contractor packages that include tools, equipment and pollution coverage at reduced bundle rates.
Higher equipment deductibles of $1,500 to $3,000 can reduce premiums by 22% to 30%, but consider that specialized plumbing tools are expensive to replace. Keep general liability deductibles low since water damage claims from pipe failures or flooding can escalate to six-figure lawsuits quickly.
Monthly installment plans add 6% to 11% in processing fees, which on a $9,000 policy costs $540 to $990 extra annually. Paying annually removes these charges and earns 5% to 9% discounts from plumbing carriers.
Review your policy whenever you hire plumbers, expand into water heater installation or drain cleaning services, or invest in specialized equipment like pipe cameras or hydro-jetting machines.
If you've obtained master plumber licenses, completed safety certifications, or implemented quality control procedures, these improvements can qualify for premium discounts.
Plumbing business insurance costs between $56 and $628 per month, but your actual premium depends on factors such as your location, business size and claims history. You can often lower your rates by comparing quotes from several insurers, bundling your coverage, selecting higher deductibles and choosing annual payments instead of monthly installments.
Plumbing business owners commonly ask about insurance costs. We answered the most frequent questions below:
Professional liability coverage is the cheapest at $90 monthly, but it only covers errors and omissions. Most plumbing companies need general liability coverage ($363 monthly) since it protects against customer injuries and property damage lawsuits.
You'll pay more in these states. General liability in California runs $405 monthly (versus $363 national average) and BOP costs $603 monthly (versus $535 average). New York is similar at $423 and $628, respectively.
Combining multiple policies with one insurer generates greater savings than purchasing coverage separately. Insurance companies provide discounts when you bundle general liability, commercial property and commercial auto insurance together.
Premium costs increase due to multiple risk factors: working in hazardous environments, past insurance claims, extensive employee count, handling dangerous materials, using costly specialized tools and maintaining poor credit history.
Higher deductibles reduce monthly premiums but increase out-of-pocket costs during claims. Consider your available cash reserves and anticipated claim frequency when deciding.
Workers' compensation costs for plumbing businesses vary by state, spanning from $56 monthly in Maine to $75 monthly in New York for budgeting purposes.
Yes, BOP insurance is worth it for plumbing companies. BOP averages $535 monthly for plumbers and packages general liability, commercial property and business interruption coverage together, saving money versus purchasing policies individually.
Shop annually when your policy renews. Comparing quotes from multiple insurers can uncover savings, especially after business changes like expanding services or adding staff.
We collected plumbing business insurance quotes from companies across different states. For consistent comparisons, every quote used the same business setup:
We used a typical small plumbing business profile requiring comprehensive coverage. We chose companies offering broad national coverage and online quote capabilities, prioritizing insurers that serve the plumbing industry.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
