Plumbers Insurance
Comprehensive plumbing coverage that protects your business from property damage and guest injuries, giving you the peace of mind to focus on quality service while knowing your work is fully safeguarded.
We know plumbing risks inside and out, protecting you from costly water-related claims.
With decades of specialized experience protecting plumbing contractors, our expert advisors bring deep understanding of workplace safety, liability exposures, and operational challenges to every client relationship. We work closely with you to develop insurance solutions that safeguard against property damage, workplace injuries, and equipment failures while anticipating industry compliance requirements. Our commitment to ongoing support ensures your plumbing business maintains comprehensive protection as your services and customer base grow.
Our licensed insurance professionals specialize in plumbing contractors, from independent service providers to large commercial installation firms. Through continuous monitoring of building codes, safety regulations, and industry-specific hazards, we stay ahead of evolving workplace challenges. This proactive approach ensures your policy provides comprehensive protection against water damage incidents, equipment failures, and jobsite injury claims.
We go beyond standard insurance coverage to provide comprehensive protection tailored to your plumbing business needs. Our policies cover everything from water damage and tool theft to worksite injuries and installation errors, ensuring no aspect of your plumbing operations is left vulnerable.
Hear from our customers
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Have been a client for almost 7 years. Kristina catches the phone on the first ring, makes me feel like I am the most important call of her day and always goes the extra mile to meet my needs or solve my problem. She is a keeper!!! She makes TWFG Khan Insurance Services better!!!!
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My Company CDS Protective Services LLC was in need of insurance and I was so frustrated that other companies had not getting back with me. I called Kristina on a late afternoon and had it all taken care of by the next morning. Kristina was knowledgeable and explained everything to me on the phone.
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Our company was in need of insurance and we were frustrated through other companies not getting back with us. I called Sameer on a late afternoon and had it all taken care of by 11:00 the next morning. He was knowledgeable and explained everything on the phone.
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TWFG Khan Insurance Services assisted our small family owned trucking company with commercial insurance in our first year of business. They were able to get us with the best company that would provide us a policy with the lowest rate. Not only that but their staff provides the most exceptional service, especially Chandler Bennett.
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Comprehensive professional protection, tailored to your industry's unique risks and compliance needs.
• Property damage protectioncovers damages to client homes, commercial buildings, and personal belongings caused by plumbing work or water-related incidents.
• Bodily injury coverageprovides protection against customer injuries resulting from slips, falls, or exposure to hazardous plumbing conditions.
• Products liability protectionsafeguards against failures of installed fixtures, pipes, or water systems that cause damage or injury to clients.
• Completed operations coverageensures protection against post-project issues including leaks, flooding, or system malfunctions after work completion.
• Errors and omissions coverageprotects against mistakes in plumbing diagnostics, installation recommendations, or system design specifications for client projects.
• Professional advice protectioncovers liability arising from consultation services, material recommendations, and maintenance schedule planning for plumbing systems.
• Documentation error coveragesafeguards against mistakes in work estimates, project specifications, and permit applications related to plumbing work.
• Inspection liability protectioncovers oversights during plumbing inspections, code compliance checks, and system evaluation procedures.
• Tool and equipment coverageprotects specialized plumbing tools, diagnostic equipment, and installation machinery against theft, damage, or loss.
• Vehicle content protectionsafeguards work vehicles and their contents, including stored tools, parts, and materials during transport.
• Mobile equipment securitycovers portable plumbing equipment, testing devices, and power tools used at various job sites.
• Storage protection coverageensures security for inventory, supplies, and equipment stored at warehouses, offices, or temporary locations.
• Workplace injury protectioncovers medical expenses, rehabilitation costs, and lost wages for employees injured during plumbing installations or repairs.
• Occupational illness coverageprovides benefits for health conditions resulting from exposure to chemicals, mold, or hazardous materials.
• Emergency medical careensures immediate medical treatment, ambulance services, and hospital care for job-related injuries or accidents.
• Disability benefits protectioncovers long-term care, ongoing medical treatment, and wage replacement for permanently disabled plumbing technicians.
On average, Plumbers Insurance costs around $2,500 annually; however, individual premiums vary based on several factors:
Plumbers with extensive work history typically receive lower premiums, as seasoned professionals demonstrate better risk management and technical expertise.
Contractors working in multiple jurisdictions or high-density urban areas face higher premiums due to increased exposure and varying code requirements.
Plumbers handling commercial installations or industrial systems pay more than residential specialists due to higher-value project risks and complexities.
Recent water damage claims or multiple incidents within three years significantly increase premiums compared to plumbers with clean records.
Companies with expensive diagnostic tools and specialized equipment require higher coverage limits, resulting in elevated premium costs for protection.
Frequently Asked Questions
Quick answers to questions you may have. Can’t find what you’re looking for? Contact us here.
Standard plumbers insurance typically covers water damage caused by sudden plumbing failures or accidents during covered work operations. However, coverage excludes gradual leaks, pre-existing conditions, or damage from faulty workmanship. Your policy may require proper documentation of inspection procedures and adherence to local building codes. To maintain coverage, implement quality control measures, document all work thoroughly, and ensure compliance with manufacturer specifications. Regular staff training on water damage prevention is highly recommended.
Most plumbers insurance policies include coverage for stolen tools and equipment through inland marine insurance, subject to policy limits and deductibles. Coverage typically applies both on-site and during transit, but may exclude theft without evidence of forced entry. Security measures like equipment tracking and proper storage are often required. To maximize protection, maintain detailed inventory records, implement security protocols, and promptly report any losses to both police and insurance carrier.
Completed operations coverage within your plumbers insurance protects against claims arising from past work, typically for up to several years after completion. Coverage depends on maintaining proper documentation and following industry standards during installation. Some policies exclude specific types of long-term damage or require supplemental coverage. To protect yourself, maintain detailed records of all completed work, obtain written client sign-offs, and follow up on any reported issues promptly.
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For over a decade, TWFG Khan Insurance Services has been the trusted partner for businesses across Texas and neighboring states. We specialize in complex insurance solutions for maritime, oil & gas, and construction industries where standard coverage isn't enough.
Don't let gaps in coverage put your business at risk. Our team of specialists will work with you to create a comprehensive protection plan that keeps your business secure and compliant.
Join the hundreds of businesses who trust us with their most critical insurance needs.
