The job
AnchorEvery jobWater damage, injuries, finished work
General liability
Explore general liability→The anchor. The burst fitting, the slip on a wet floor, the job that fails a year later.
Insurance that helps you say yes to the next plumbing job.
Coverage built around plumbing work. Clear options, one broker, from the first job to renewal.
Prefer to talk? Call +1 802-GOT-RIZA · Sun to Sat, 8am to 8pm ET
Clear the GC’s requirements before the crew mobilizes
Add vans, jetters, cameras, and crew as the shop grows
Water damage and finished-work gaps reviewed before a claim
Markets we place through.
Three things that go wrong on plumbing jobs.
A damaged wall, an injured tech, a van off the road. Know which protection to turn to, with a broker who helps you through it.
General liability
If a fitting lets go.
A failed fitting damages the customer’s wall and floor after you leave.- General liability may cover resulting property damage. Repairing your own faulty work is a different question.
- We help you understand that distinction before a callback puts it to the test.
Workers’ compensation
If a tech gets hurt on the job.
- A wrist injury during a water-heater swap takes a tech off the schedule.
- Workers’ comp can help with medical care and part of lost wages after a covered work injury.
- We help you reach the carrier and understand what to report, so you’re not figuring it out alone.
Commercial auto
If the van is in a crash.
- A crash can damage the service van and the camera or jetter it carries.
- Auto liability, damage to your van and protection for your tools are separate coverage checks.
- We review the vehicle and the gear together so the camera isn’t an afterthought.
The plumbing program.
What most plumbing shops carry, and when each one shows up.
Payroll
Required4 on the crewKicks in with the first W-2
Workers’ compensation
Explore workers’ comp→With the first hire. Crew injuries live here, not on general liability.
Fleet
Scheduled2 vans · 1 pickupBusiness-owned, hired and non-owned
Commercial auto
Explore commercial auto→With the first van. The driving, the drivers, and the wrecks.
Gear on site
Travels$40,000Press tools, cameras, jetter
Tools & equipment
Explore tools & equipment→When gear leaves the shop. Covered in the van, on the site, and in between.
Placing the policy is half the job.
We stay for the other half. Four things that happen when a broker is on the account.
Meet the GC’s requirements.
Keep the crew mobilizing.
- GC requirements turned into a checklist
- Coverage checked before the bid
- Certificates ready to send
- One broker on the phone with the GC
New contractRiverside Medical Buildout
Received 9:41 AMInsurance requirement$2M GL + additional insured
12-page contractReviewing insurance language
Requirement review3 of 3 matched
✓
General liability$2M each occurrence
Matched✓
Additional insuredBlanket endorsement
Matched✓
Certificate holderRiverside Medical
MatchedActivityToday
9:41Contract received and read
9:43Requirements checked against the policy
9:47Certificate drafted for Riverside Medical Buildout
PDF
Certificate packageRiverside Medical · ready to send
Send COIMeet the GC’s requirements.
Keep the crew mobilizing.
- GC requirements turned into a checklist
- Coverage checked before the bid
- Certificates ready to send
- One broker on the phone with the GC
New contractRiverside Medical Buildout
Received 9:41 AMInsurance requirement$2M GL + additional insured
12-page contractReviewing insurance language
Requirement review3 of 3 matched
✓
General liability$2M each occurrence
Matched✓
Additional insuredBlanket endorsement
Matched✓
Certificate holderRiverside Medical
MatchedActivityToday
9:41Contract received and read
9:43Requirements checked against the policy
9:47Certificate drafted for Riverside Medical Buildout
PDF
Certificate packageRiverside Medical · ready to send
Send COIAdd a van or a tech.
Keep the same policy.
- Vans, jetters, and cameras added mid term
- New hires and payroll updated as the crew grows
- Subcontractor certificates collected before they start
- One account record, not a new application
Coverage reviewAccount record
UpdatedVans2→3✓
Techs on payroll4→6✓
Vehicle endorsementIssued✓
Same account, same brokerCertificate updated · sent
ActivityToday
9:52Vans updated, 2 to 3
10:05Techs on payroll updated, 4 to 6
11:20Vehicle endorsement, carrier confirmed
COI
CertificateCertificate updated · sent
SentReport it once.
We stay on it.
- Water damage, an injury, or a crash, reported once
- Adjuster assigned, and you get the name
- Photos and the tech’s notes organized for the carrier
- We chase status so you do not have to
ClaimVan 2 · rear-end
ReportedWhat happenedRear-ended a sedan at a light
Who was harmedThe other driver
AdjusterA. Reyes · direct line on file
StatusTwo claims, one report
Status checked by your brokerYour broker is on the thread
ActivityToday
9:14Reported once, to your broker
9:31Sent to the carrier with the file attached
10:05Adjuster assigned, direct line on file
CL
Next stepAdjuster call, your broker on the line
On calendarRenewal is a comparison,
not a rubber stamp.
- Payroll, vans, tools, and the year’s jobs in one submission
- Every market we place through gets a look
- Sewer backup, radius, and tool limits compared side by side
- Stay or switch, your call
CompareCurrent vs option
Side by sidePrice$18.4k→$16.1k✓
Occurrence limit$1M→$2M✓
Tool limit$25k→$40k✓
Option BSelected✓
Stay or switch, your callOption selected
ActivityToday
MonCurrent policy received, terms read
WedOptions placed side by side, coverage first
FriOption selected, packet drafted
PDF
Renewal packetReady to sign
OpenWhat changes the price.
Five things that move the price for a plumbing shop. Published averages are not your price.
01
Your operations mix.
Service, commercial, drain and sewer, gas. Each carries different completed-work and property-damage questions, and different rates.
02
Subcontractors.
Who works under your name and what they carry. Uninsured subs can be charged to your policy and pull you into their claims.
03
Contracts.
Additional insured, primary and noncontributory, waivers. The contract sets terms your policy has to be able to meet.
04
Your largest project.
It shapes limits, the umbrella question, and what an underwriter asks about.
05
Prior claims and how they closed.
Carriers price on history and on what changed since.
The work changes the questions.
Pick what you do most. These are the questions we ask first, the policy lines we read before a price, and where the answers land in your program.
A service and repair shop
The most calls, the most miles, and the smallest jobs on the book.
Explore service and repair →What we ask first
- What share of the work is in occupied homes, and do techs run calls alone?
- Do you open walls and ceilings, or stop at the fixture?
- Who takes the after-hours call, and in whose vehicle?
What we read before the price
- The your work exclusionIt decides whether the ruined ceiling is a claim while the re-sweated joint stays yours.
- Water damage sublimitsSome forms cap the very loss a service shop causes most, so we look before you see a price.
- Hired and non-owned autoIt is not automatic, and the after-hours call is where a personal truck shows up.
Get a service and repair quote
Your answers come with you. We confirm what applies when you start.
A commercial plumbing shop
Fewer jobs, longer schedules, and a contract in front of every one.
Explore commercial plumbing →What we ask first
- What is the largest contract you plan to sign this year?
- Which general contractors do you work under, and what do their exhibits ask for?
- Do subcontractors work under your name, and do you hold their certificates?
What we read before the price
- Additional insured formsOngoing operations and completed operations are separate endorsements, and exhibits often name both.
- Primary and noncontributory wordingAn endorsement, not a certificate line, and most subcontracts ask for it.
- The completed operations aggregateSeparate from the general aggregate on most forms, and the number a general contractor reads.
Get a commercial plumbing quote
Your answers come with you. We confirm what applies when you start.
A drain and sewer shop
The gear is expensive, the spaces are tight, and the exclusions are specific.
What we ask first
- Do you jet, camera, or excavate, and how deep does the work go?
- What would it cost to replace the jetter and the camera tomorrow?
- Do crews enter confined spaces or trench, and who is trained for it?
What we read before the price
- The sewer backup lineOften excluded or capped, on the work where backups are the job.
- Fungi and bacteriaFrequently excluded, and a wet basement is where it gets argued.
- Scheduled against blanket toolsA jetter above the blanket limit belongs on the schedule, or it sits outside the policy.
Get a drain and sewer quote
Your answers come with you. We confirm what applies when you start.
A gas piping shop
Fewer claims, larger ones, and a license behind every joint.
What we ask first
- What share of the work is gas, and is it residential, commercial, or both?
- Do you set meters and run service lines, or work downstream of them?
- Which license and endorsements does the gas work run under?
What we read before the price
- The pollution exclusionBroad on many forms, and combustion byproducts sit inside the argument.
- Explosion, collapse, and undergroundSometimes removed from a form, sometimes priced back, and worth knowing which before the bid.
- Completed operations on gas workThe failure arrives long after the invoice, on the policy in force that day.
Get a gas piping quote
Your answers come with you. We confirm what applies when you start.
A better renewal starts with the policy you already have.
Already insured? Send it once. We compare it with today’s options.
Send
PDFCurrent policy.pdfGeneral liability · Auto · Workers’ comp
Policy received
Compare
Liability limit$1M$2M
Deductible$2,500$1,000
Annual premium$6,840$6,420
Choose
Current policy$6,840 / year
Option A$6,420 / yearSelected
What changes across state lines.
Licensing, bonds, and workers’ comp rules change by state. Every state has its own page. Pick yours and the rest of the site follows.
Licensed in Arizona
Change it if that is not where the work is.
Plumbing insurance by state
Guides plumbers ask for.
Guide
Certificates & additional insureds→Because the GC will ask for one, and the endorsement is what matters.Guide
What plumbing insurance costs→What each policy is rated on, what moves the price, and what to send for a number that is yours.Guide
The workers’ comp audit→The policy was priced on an estimate. What the auditor asks for, and how to make it a refund.Plain answers before the next job.
The questions plumbers ask before they switch.
What insurance does a plumbing business usually need?
Many plumbing businesses consider general liability, workers’ compensation, commercial auto, and tools and equipment coverage. A business owner’s policy, commercial property, umbrella or excess, cyber, pollution, professional, or other coverage may also matter depending on the operations, property, contracts, and carrier eligibility. The right package depends on the business, state rules, and policy terms.
Can Riza review my current plumbing insurance before renewal?
Yes. Send the current policies, loss runs, vehicle and driver information, payroll, revenue, and any representative contract requirements you have. Riza can organize the submission, compare available options, and show you material differences before you decide whether to switch.
Can Riza help with certificates of insurance?
Riza can help service certificate requests once the applicable policy is active and the requested insurance or endorsement is in place. A certificate summarizes existing coverage and does not create or change coverage by itself. Contract requirements should be reviewed before work begins whenever possible.
What affects the price of plumbing contractor insurance?
Carrier pricing can reflect the type of plumbing work, revenue, payroll and class codes, employees and subcontractors, vehicles and drivers, tools and equipment, locations, contracts, limits, deductibles, states, and loss history. Carrier appetite and policy structure also affect the available options.
Does general liability cover water damage from my work?
General liability covers water damage from your work when the water damages someone else’s property. A fitting you sweated lets go, the ceiling and the flooring below are ruined, and the policy pays to repair them and defends you if the owner sues. It does not pay to redo the fitting itself, because that is your own work. Slow leaks, mold, and sewer backup are the parts to check, since many policies exclude them or cap them at a small limit. What changes the answer is the exclusion list on your form, so we read the fungi and sewer backup lines before you see a price.
Can a claim come in after the job is done?
A claim can come in after the job is done, and for plumbers that is the claim that shows up most. The completed operations part of general liability responds to damage caused by finished work: a valve installed last spring fails in the winter and floods the ceiling below. The policy in force when the damage happens is the one that pays, not the one from the year of the install. Keeping the coverage continuous is what makes that work. What changes the answer is a lapse between policies, because a gap can leave a finished job with no policy on the date the damage appears.
Ready for the next plumbing job?
Tell us about the work, or send your current policy.
Prefer to talk? Call +1 802-GOT-RIZA · Sun to Sat, 8am to 8pm ET