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Small business insurance solutions for plumbers

Plumbers have the essential job of keeping homes and businesses running smoothly and with the nature of this work comes a certain level of risk.

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From accidental property damage to injuries on the job, there are many potential hazards that can arise in the course of a plumbing business. That's why it's important for plumbers to have adequate business insurance.

At Victor, we offer a range of small business insurance solutions specifically tailored to the needs of plumbers including:

  • General liability helps protect plumbing businesses against property damage and lawsuits.
  • Workers’ compensation covers injuries to plumber employees. 
  • Business owners policies can protect the plumbing businesses against property damage or loss.
  • Cyber insurance can help protect plumbing businesses against cyber threats and data breaches.

Download the Plumbers highlight sheet

Learn more about each individual coverage below. 

 

Coverage highlights for plumbers

  • Available providers: CNA and Coterie
  • Available nationwide (except New York)
  • Minimum premium $500
  • Up to 50 employees
  • Up to $10 million in revenue
  • Up to $1 million in payroll
  • Limits up to $3 million in total insured property 
  • Multi-location available
  • New ventures welcome
  • Umbrella indication available with CNA BOP quote

  • Available providers: AmTrust, Coalition and Victor
  • Available nationwide
  • Revenues up to $250M
  • Limits up to $2 million bind-able online
  • Limits up to $5 million via referral
  • Cyber liability and Tech E&O coverage available

  • Available providers: Homesite, Hiscox, and Coterie
  • Available nationwide
  • Minimum premium $350
  • Up to 50 employees
  • Up to $5 million in revenue 
  • Limits up to $2 million aggregate
  • Up to $1 million in annual payroll

  • Available providers: AmTrust, CNA, Employers and Markel
  • Available nationwide
  • Limits up to $1 million
  • Multi-state capabilities
  • New ventures eligible 

Additional resources for plumbers

Articles and claims scenarios to share with your plumber clients to help them better understand their risks.

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Winter Woes: Essential plumbing risks to watch out for

10/24/2024

The seasons are changing, as are the risks for small business plumbing owners. Owners must take the proactive approach to ensure risks are mitigated.

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Navigating the risks: Challenges for small plumbing business owners in 2024

01/09/2024

As we enter 2024, it is crucial for small plumbing business owners to be aware of the potential risks they may face and take proactive measures to mitigate them.
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From injury to recovery

11/30/2023

ABC DrainMaster employs several plumbers who work on various job sites. One day, while working on a construction site, one of the plumbers slipped on a wet surface.
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Safeguarding success

11/30/2023

ABC Plumbing is a small business that provides plumbing services to residential and commercial customers. One day, the company's computer system was hacked.
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Flooding setback to financial relief

11/30/2023

A small plumbing business is hired to install new pipes in a commercial building. While working on the project, one of the plumbers accidentally damages a water line.
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From stormy setback to swift recovery

11/30/2023

123 Plumbing owns a commercial property that houses its office and warehouse. One day, a severe storm hit the area and caused significant damage to the roof of the building.

Plumber quoting tip sheet

To receive accurate quotes for your clients, it is essential you provide accurate details about their business and operations. Download our quoting tip sheet to help you gather necessary information.

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