Business insurance for plumbers

Protect your plumbing business with water-tight insurance from State Farm®.

Why you need plumbers insurance

Accidents happen. And when they do, State Farm® plumber insurance could keep your business from going down the drain.

  • Join enough pipe, and a faulty connection will get past you eventually. That’s bad for your customer and bad for your business, too.
  • You don’t play with fire, but fire has its own ideas. Injuries and property damage can happen while soldering, even when you take every precaution.
  • Your tools and materials are serious investments. What would happen if someone walked off with yours?
  • If property at your shop is stolen, damaged, or destroyed, it probably won’t be covered by your home insurance, even if your shop is at home.

Plumbers insurance coverages include

We’ll start with a package of coverages most plumbers need. Then we’ll help you customize them to fit your unique business. The result? A policy that keeps you adequately covered without leaving you high and dry.
  • General liability insurance – helps cover the costs if the work you’ve done hurts someone or damages their property. It can also help if someone is injured at your shop.
  • Property insurance – helps cover the structures you own (your building, shed, warehouse, etc.) and the furniture and supplies within those structures.
  • Mobile equipment insurance – helps cover your tools, machinery, and equipment, which comes in handy when someone decides to skip off with yours.
  • Installation insurance – helps cover materials, including pipes, cement, toilets, sink fixtures, connectors, and other plumbing supplies.
  • Surety bonds – required in many jurisdictions – guarantee you’ll perform your work according to all codes, laws, and ordinances to meet your licensing requirements. And since we sell and service our own bonds, we can typically provide them faster than most and at a competitive price.

Consider adding additional coverages

Some plumbing businesses need additional coverage to deal with increased risk. Not a problem because your local State Farm agent will work with you to understand and help meet your needs.

Commercial auto

Commercial auto covers the cars, trucks, vans, and other vehicles used for business. If you have multiple vehicles, talk to a local agent about available options.

Commercial liability umbrella policy

Commercial liability umbrella policy (CLUP) gives you an added measure of protection when your covered liability losses exceed your policy limits.

Workers' compensation

Workers’ compensation helps protect your crew against work-related injuries or illness. Requirements for workers’ comp vary by state.

Life insurance, group life, and buy-sell

Life insurance, group life, and buy-sell agreements often make sense for larger plumbing companies and companies with two or more partners.

Data compromise and identity restoration

Provides coverages that work together to help your business and you get back on track after a data breach occurs or if you, the business owner, becomes a victim of identity theft.

Rated “the best overall” insurance company for small business

We’re not ones to brag (okay maybe a little), but Investopedia
recognized State Farm insurance as the top choice for small businesses 1 like yours. Here’s why:

Agent know-how

Our agents are business owners too. They understand the unique needs of small business owners.


Customizable insurance

We offer an array of coverage options that can be combined into one policy for you.


Exceptional service

Since 1935, we’ve been here to help small business.

Talk to a local State Farm agent

This is only a general description of coverages of the available types of business insurance and is not a statement of contract. Details of coverage, limits, or services may not be available for all business and vary in some states. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements. Contact a State Farm agent for more information and a customized quote.

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Life Insurance and annuities are issued by State Farm Life Insurance Company. (Not Licensed in MA, NY, and WI) State Farm Life and Accident Assurance Company (Licensed in New York and Wisconsin) Home Office, Bloomington, Illinois.

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