The work of a plumbing contractor involves installing, maintaining and repairing water systems in residential and commercial structures. This article discusses plumbing contractors’ potential exposures and common types of insurance available to address these possible risks.

Potential Exposures

Incidents that could create issues for plumbing contractors, include but are not limited to:

  • Injuries– Plumbing contractors could sustain injuries from moving heavy appliances, working in tight spaces, and performing repetitive tasks. Customers could also be injured from slip and falls or other incidents.
  • Property damage- Property damage is often the result of water damage, which can occur either while the work is being performed or after a project has been completed.
  • Auto accidents- Any company that uses vehicles is exposed to auto accidents. These can result in bodily injury or property damage to the contractor or others.

Common Types of Insurance

Plumbing contractors should have adequate insurance to manage their risks. The following are policies plumbers should consider:

  • General Liability
  • Completed Operations
  • Workers’ Compensation
  • Commercial Auto
  • Property Coverage
  • Inland Marine
  • Cyber Insurance
  • Commercial Umbrella
  • Faulty Workmanship


Proper insurance coverage can protect plumbing contractors and their businesses from liability. For more information, contact us today at (401) 596-0146 or visit our website.