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Insurance for Plumbers

What kind of insurance does a plumber need?
Why do plumbers need insurance?
What coverages does Merchants Insurance Group offer plumbing contractors?
This blog answers these questions and more!

Why Plumbers Need Insurance

Why is insurance important for your business, and why do plumbers need insurance?

Plumbers, like any business, face a number of risks. As a plumber, you often encounter hazards. Plumbers and other contractors may work at heights and in tight spaces, for example. Even if you pride yourself on the quality of your work and the strict safety procedures you follow, accidents can still happen!

That’s where insurance can help. Insurance provides protection for your business, your talent, and your hard work. It alleviates stressors when problems arise, whether from equipment breakdown or third-party claims of damage.

With the right coverage, you’ll gain the peace of mind to continue focusing on what matters: serving your customers and growing your business.


Types of Coverages You Need & What Merchants Offers

Merchants has you covered! Our MAP® Contractors Package is designed especially for contractors. A few of our automatic coverages include:

Commercial General Liability Insurance

Also called general liability (or GL) insurance, this helps protect your business from third-party claims involving bodily injury, property damage, and more. This coverage protects you if a customer is injured in your business office, for example, or if you damage a customer’s property while working at their site. Some of the included GL coverages are:

  • Blanket Waiver of SubrogationMerchants agrees to not seek recovery from a third party with whom you have a written contract that requires us to do so.
  • Primary and Non-ContributoryWhen required by written contract, coverage provided to an additional insured is on a primary basis and Merchants will not seek contribution from the additional insured’s own policy.
  • Employment Practices Liability (EPL)EPL coverage protects you against claims of discrimination, sexual harassment and wrongful termination.
Inland Marine Insurance

This protects products, materials and equipment when transported over land or while temporarily stored by a third party.1

  • Contractors Equipment CoverageProtects your equipment and valuable tools, such as hand augers and snake machines. It includes coverages such as rented equipment and employee tools and clothing, with various limits.
  • Installation CoverageProtects your property such as materials, supplies, and fixtures intended to be installed, while at the job site, in temporary storage, or in transit.

    Need Additional Coverage?

    Merchants also offers Optional Coverages to complete your Plumber Insurance policy. While MAP® Contractors Package provides comprehensive included coverages for your business, you may want to add additional coverages, such as:

    • Additional Insured Options – Blanket or Scheduled – Provides liability protection for the additional insured under the named insured’s policy.
    • Contractors Errors and Omissions Coverage (Not available in Vermont)  – Contractors Errors & Omissions (E&O) coverage is protection for claims when a contractor’s work is allegedly faulty or defective, and is installed or incorporated into other products or property causing a loss associated with the replacement or reworking of the defective work.
    • Cyber Liability Coverage (Not available in Vermont) – This provides comprehensive data security and privacy coverage that address both first party losses and third party liability claims, expert claims handling, and breach response services in the event of a suspected breach, and a risk management website which provides information, guidelines, and tools to help mitigate risk before a breach occurs
    Commercial Property Insurance

    This covers your property such as buildings and/or their contents when damage is caused by a covered cause of loss such as fire. 

    Building and Business Personal Property Coverage

    When Building and/or Business Personal Property Coverage is written, some of the included property coverages are:

    • Business Income and Extra Expense – Provides reimbursement of net lost business income and continuing normal operating expenses, including ordinary payroll due to the suspension of your business operations from a covered loss.
    • Equipment Breakdown Coverage – Equipment Breakdown coverage responds to the cost of repairing or replacing mechanical, electrical or pressure systems equipment that suffers a breakdown. Covered property can include compressors, pumps, computers, and boilers.
    • Communication Equipment – Provides coverage for loss of or damage to Communication Equipment used in your business from any of the covered causes of loss. Communication Equipment includes, but is not limited to, cellular / mobile telephones, pagers, and personal digital assistants (PDAs).


    When you have the right coverage, you gain the financial peace of mind you need to pour your full focus into your clients’ needs and the success of your plumbing business.


    Insurance for Your Plumbing Business

    Visit our product pages to learn more about Merchants’ coverage options for plumbers and other contractors.

    Ready to chat about the insurance needs of your plumbing business? Use our Find an Agent tool to locate an independent insurance agent near you!

    This blog was originally published on February 25, 2021. It was last updated on March 12, 2024. 



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    Erica Dalton

    Merchants Insurance Group

    Merchants Insurance Group sells its products through a network of more than 1,000 independent insurance agents in Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, and Vermont. We sell our products through independent insurance agents because we believe they provide value to policyholders through their broad range of products and their insurance expertise.