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Illustrated street with a white work van, back doors open on shelves of fittings and a drain reel, a purple cone on its roof rack, a porch house behind it, and a building going up behind scaffolding and a fence on the other side of an open road

Plumbing insurance

from leaky faucets
to full repipes.

Liability, comp, vans and tools that grow with your shop, from service calls to the commercial jobs GCs send out. We match your limits to their contracts.

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MARKETS WE PLACE THROUGH

Progressive Commercial
Chubb
Travelers
Nationwide
AmTrust
CNA
biBerk
ERGO NEXT
THREE

a bad day on
the job, covered.

A leak, a fall, a fender bender. Tap around to see which policy steps in.

Illustrated cutaway of a two-story house with water dripping from the upstairs bathroom into the kitchen, a fallen ladder by the basement water heater with a purple wrench on the floor, and a work van with its back doors open beside a mailbox

general liability

A fitting lets go after you leave

Water damage to the customer’s home.

workers’ comp

A tech falls fixing the water heater

Medical bills and lost wages.

commercial auto

The van backs into a mailbox

Damage you cause on the road.

tools and equipment

The jetter gets stolen from the van

Tools and gear, on the job or on the road.

general liability

A fitting lets go after you leave

Water damage to the customer’s home.

Examples. Your policy sets the details.

the work changes
what we check.

Service calls, commercial jobs and drain work carry different risks. Pick yours.

Service and repair

Most calls, most homes.

We check the water damage limits and who drives the after-hours call, before you see a price.

we check first: Water damage limits. Illustrated sink cabinet with its doors open on the drain trap, a small puddle on the floor, a purple pipe wrench and a toolbox

plumbing businesses
usually carry.

Put them on one program and we shop them together at every renewal.

flooded job?
make one call.

We file it, get an adjuster on it and follow up until it’s closed.

  1. 1. Call us from the job

    Tell us what happened and send a few photos.

  2. 2. We file it

    Photos, notes and the customer’s details go to the carrier.

  3. 3. We push it through

    Repairs, the customer’s claim and your payout, followed to the end.

the best price, without the shopping.

Tell us about your business once. We compare the market and bring back your options, side by side.

Harbor Plumbing

your options

$18,400a year, 4 policies

3 options, same coverage

Option A$18,400

Option B$19,900

Option C$21,700

6 techs3 vansPhoenix, AZClean records
compare your options
same
coverage,
best price
get startedAlready insured? Send your policy

switching takes one signature.

Keep your broker until the numbers say move. We do the paperwork.

  1. 1. Send your policy

    Your current policy is enough. No forms.

  2. 2. We compare

    Coverage, service and price, side by side with today’s options.

  3. 3. You choose

    Stay or switch. If you switch, we handle the paperwork.

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what changes in
your state.

Licenses, bonds and workers’ comp change by state. Tap yours.

Arizona

ROC license, a bond set by license type and volume, comp from your first hire.

see Arizona plumbing

guides
plumbers ask for.

Certificates, costs and the comp audit.

growing by
acquisition?

Buying another plumbing shop, backed by private equity or getting ready to sell? We cover the deal and the company you’re building.

good to know.

Straight answers about plumbing insurance.

What insurance does a plumbing business need?
Most plumbing shops carry general liability, workers’ comp once they have employees, commercial auto for work vans, and tools and equipment coverage for gear that travels. Many add an umbrella for larger contracts. What you need depends on your work, your crew and your contracts.
Does general liability cover water damage from my work?
Often, for damage your work causes to someone else’s property, like a ceiling ruined by a failed fitting. It usually doesn’t pay to redo your own work. Some policies limit certain water damage, so the wording matters, especially for service shops.
What affects the price of plumbing insurance?
Mainly the kind of work (service, new construction, drain and sewer, gas), payroll, vans and drivers, subcontractors, the size of your largest jobs and your claims history. Gas and commercial work usually cost more to insure. Clean records and clear contracts help.
Is sewer backup covered for drain and sewer work?
Not always. Many general liability policies limit or exclude damage from sewer backup, along with related issues like mold, which matters most for drain and sewer shops. Some carriers offer coverage for it, so check the wording before you rely on it.
What insurance do general contractors require from plumbers?
Usually general liability at the limits the contract sets, plus workers’ comp, commercial auto and sometimes an umbrella. Many GCs also want to be named as an additional insured, with specific certificate wording. The contract’s insurance section lists the details.

Insurance words, in plain English: waiver of subrogation · certificate of insurance · additional insured · primary and noncontributory · hold harmless agreement · contractual liability · per-project aggregate · completed operations

see what your
program is missing.

Most have gaps. Find yours with a policy review.

get startedor call 802-GOT-RIZA