🔧 Plumbers Insurance

Insurance designed
for licensed
plumbers.

A burst pipe, a flooded kitchen, a slab leak — plumbing claims can be massive. We build coverage packages for California plumbing contractors that protect against your biggest exposures.

✓ General Liability✓ Workers Comp✓ C-36 License Bond✓ Tools & Equipment
Carriers We Work With
HartfordTravelersICW GroupEmployersCNA+ 15 more
✦ Free & No Obligation

Get Your Plumbers Quote

Fast quotes · Licensed agents · Real savings

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Tell us about your business
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A licensed CoverGuard agent will reach out within 1 business hour with your plumbers insurance quotes.

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Why CoverGuard
Why plumbers choose CoverGuard
We know plumbing exposures — water damage, mold liability, and completed operations.
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Water damage claims are fast, expensive, and hard to deny.

Even a small plumbing error can lead to a six-figure water damage or mold claim. Your GL policy must include completed operations coverage — we make sure it does.

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$500K+
Average water damage claim in residential plumbing
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Same-Day Response

Every quote request gets a personal response within 1 business hour from a licensed California agent.

C-36
CA Plumbing Contractor License Class
🏆

20+ Carriers

We compare 20+ top carriers to find you the right coverage at the best rate — not what pays us the most commission.

Coverage Options
What you need.
What we provide.
Coverage built specifically for plumbers — not a generic business policy that misses your exposures.
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General Liability
Covers water damage and injury claims from your plumbing work.
  • Water & flood damage liability
  • Third-party bodily injury
  • Mold-related claims
  • Completed operations
Core
👷
Workers Compensation
Required by CA law. Plumbers work in confined spaces with physical strain.
  • Back & strain injuries
  • Confined space accidents
  • Medical & lost wages
  • CA compliance
Required
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Tools & Equipment
Covers pipe cutters, soldering equipment, and diagnostic tools.
  • Hand & power tools
  • Camera inspection equipment
  • Job-site theft
  • In-transit coverage
Recommended
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C-36 License Bond
Required by CSLB for C-36 Plumbing Contractor license.
  • CSLB requirement
  • $15,000 minimum
  • Same-day issuance
  • Renewal reminders
Required by CSLB
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Commercial Auto
Covers your work vans and trucks.
  • Work vans & trucks
  • Tools in transit
  • Hired & non-owned
  • Multiple vehicles
Recommended
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Umbrella Liability
Extra protection above your GL limits for large water damage claims.
  • $1M–$5M additional
  • Catastrophic claim buffer
  • Mold + flood exposure
  • Affordable upgrade
Strongly Advised
Common Questions
Everything you need
to know.
Does my GL cover mold claims?+
It depends on the policy. Some GL policies exclude mold. We make sure your plumbing GL policy includes mold coverage where available.
What's completed operations coverage and why do I need it?+
It covers claims that arise after the job is done — like a leak that shows up 6 months later. This is critical for plumbers and must be specifically included.
Is a C-36 bond the same as insurance?+
No. The C-36 license bond only protects clients from contractor fraud or failure to complete work — it doesn't cover property damage or injuries. You need both.
How much does plumber insurance cost in California?+
Most plumbing contractors pay $2,000–$5,000/year for GL + tools. Water damage exposure makes plumbing slightly more expensive than some other trades.

Get plumber-specific coverage today.

Fast quotes. CA-compliant packages. Real protection.

Get a Free Quote → 📞 (562) 758-1200
🔧 Get My Plumbers Quote