Plumber Insurance in Massachusetts


What Is Plumber Insurance?

With plumbing work, it’s not a matter of if you’ll encounter risks on the job, it’s a matter of when they’ll arise. To protect yourself — and your business — from liabilities, lawsuits, and financial loss, it’s important for plumbers to carry specialized insurance.

Insurance for plumbers is made up of bundled business policies that provide protection from a variety of property and liability risks. This type of coverage is ideal for anyone involved in plumbing work, including self-employed individuals, contractors, and subcontractors.

Top Risks in the Plumbing Industry

A career in plumbing comes with a unique set of challenges and occupational hazards. Common workplace risks that plumbers’ insurance can mitigate include:

  • Accidents and injuries suffered on job sites
    (e.g. falls, exposure to chemicals or mold, injuries from hand tools)
  • Property damage
  • Equipment damage or theft
  • Legal liabilities and lawsuits
Who Needs Plumber Insurance in Massachusetts?

At minimum, licensed plumbers in the Commonwealth of Massachusetts must carry liability insurance. The only exception to this rule is if the owner of the business or residence where work is planned signs a waiver. However, hiring uninsured plumbers is risky, and many potential clients won’t consider working with ones who don’t carry insurance policies. Plumber’s insurance is strongly recommended for:

  • Owners of small plumbing businesses
  • Large plumbing companies
  • Plumbing contractors
  • Septic system construction workers
  • Drainage system installers
  • Sewer hookup contractors
  • Piping and plumbing contractors
  • Sump pump installation and servicing contractors
  • Water pump installation and servicing contractors
  • Water system balancing and testing contractors
Types of Plumbers’ Insurance Policies

The coverages that plumbers’ insurance offers will differ for every business, but these are the most common:

  • Commercial auto: Covers any vehicles owned by your business. In Massachusetts, this is required coverage.
  • Commercial business interruption: Provides coverage for lost income during business downtime that occurs as a result of a covered event (e.g. natural disaster or fire, depending on your coverage).
  • Commercial property: Protects equipment and inventory being stored at your place of business in the event of a covered cause of loss (e.g. fire or theft, depending on your coverage).
  • Equipment breakdown: Provides coverage for the repair or replacement of damaged equipment as well as financial losses due to equipment failure.
  • General liability: Protects against any claims of bodily injury, property damage, or reputational harm from third parties.
  • Professional liability: Protects you from lawsuits that claim negligence, misrepresentation, or inaccurate advice. This is also commonly referred to as errors and omissions (E&O) insurance.
  • Workers’ comp: Requires all employees to be protected should they suffer an injury at work or a job-related illness.

What Does Plumbers’ Insurance Cost?

On average, plumbers’ insurance costs $125 per month (or $1,500 per year) for a $1 million general liability policy. When it comes to determining policy premiums, there’s no one-size-fits-all approach, and what you’ll pay for your coverage may be higher or lower.

Factors that help determine plumbing insurance premiums include:

  • The size and scope of your plumbing business
  • Types of insurance coverage selected
  • Claim history and risk profile
  • Where your business is located
  • Deductibles and policy limits

Types of Incidents & Claims Covered by Plumber Policies

When you submit a claim, you can expect the following items to be covered by your policy:

  • Auto accidents
  • Bodily injury
  • Business interruptions
  • Legal liability
  • Loss or theft of tools and equipment
  • Property damage
  • Workers’ compensation
Why Choose C&S For Plumber Insurance?
  • We get you the most competitive rates. With access to all the top carriers for business insurance, we can give you more options than other agencies. More options mean more competitive pricing and, quite often, better terms.
  • We maintain a dedicated Claims Department, so there’s always someone on hand to support you when something goes wrong. A dedicated claims department also means your claims get closed out faster, which is key to maintaining a healthy loss history.
  • We know commercial insurance. Our commercial insurance industry experts have years of experience helping tradespeople just like you, so we know what matters most for your business.

Frequently Asked Questions
What does plumbers’ insurance in Massachusetts cover?

When you submit a claim, you can expect coverage for auto accidents, bodily injury, business interruptions, legal liability, loss or theft of tools and equipment, property damage, and workers’ compe…

Read More
Is self-employed plumber insurance required in MA?

At minimum, licensed plumbers in Massachusetts must carry liability insurance.

Read More
How much does plumber insurance in MA cost?

When it comes to determining policy premiums, there’s no one-size-fits-all approach, and what you pay will depend on several factors that are unique to your plumbing business.

Read More
What is the best insurance for plumbers?

Every plumbing business is different, which means that there’s no “best” option — only what’s best for you.

Read More
Is plumbing insurance worth it? What happens if a plumber is not properly insured?

Yes. Most clients won’t risk working with uninsured plumbers.

Read More

Protect Your Plumbing Business Today

Your business is too important to be left vulnerable to the risks that come with on-site tradeswork. Discuss a plumber’s insurance policy with a C&S Insurance agent today — a small investment now could protect your hard work in the future.