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Plumbers Insurance
Insurance for Plumbers

We understand plumbers—whether your business is large or small, even just a self-employed person. Our plumbers insurance and plumber surety bond options are designed to meet the unique needs of plumbers.

What types of insurance do plumbing contractors need?

Plumbing contractors may need general liability, workers’ compensation, commercial auto, tools and equipment, and umbrella insurance. The right coverage depends on the size of the business, number of employees, services offered, and contractual requirements.

Does plumbers insurance cover property damage caused by plumbing work?

General liability insurance can help cover claims for accidental property damage caused by plumbing operations, such as water damage resulting from certain installation errors. Coverage depends on the policy’s terms, exclusions, and circumstances of the claim.

Is workers’ compensation insurance required for plumbing businesses in Illinois?

Illinois generally requires employers to carry workers’ compensation insurance for employees, including those working in the plumbing industry. Plumbing contractors should review their specific employment arrangements and applicable legal requirements to determine their obligations.

Can plumbers insurance cover tools, equipment, and work vehicles?

Yes, plumbing businesses can obtain tools and equipment coverage to help protect against covered theft or damage, along with commercial auto insurance for business vehicles. These policies can help reduce financial losses from unexpected incidents involving essential equipment and transportation.

How can I get an affordable plumbing contractor insurance quote in Chicago?

Melendez Insurance can help plumbing contractors compare insurance options tailored to their business operations, coverage requirements, and budget. Contact the agency to request a quote and discuss protection for your employees, equipment, vehicles, and liability exposures.

Plumbing Accidents Happen
You’re already aware of the potential hazards of being a plumber:

Insurance for plumbers can cover your business risks.

Plumbers! Protect yourself and your business with plumber liability insurance. Request a quote today from Melendez Insurance.

  • damage to customer’s property
  • misunderstood instructions from the customer
  • slips, trips & falls
  • lost or stolen materials & tools
  • project delays
  • injuries to customers or employees

Incidents like these can lead to claims for substantial damages. And that could leave you facing hefty legal bills. Without plumbers insurance coverage—which includes plumber liability insurance—you could be out of business.

There are other risks too. Expensive tools have a habit of getting lost, damaged or stolen – and, typically, at just the wrong time. What if you can’t afford to replace them immediately? There could be costly delays to the job. But if your plumbers insurance includes tools and equipment coverage, your problems are solved.

And don’t forget that if you have anybody working for you – even on a casual basis – you’ll need workers compensation insurance as part of your plumbers insurance package.

Chicago Plumber Insurance Covers You Nationwide

Plumbers Insurance is Perfect For:

  • Plumbing Contractors
  • Plumbing Business Owners
  • Pipe Fitters
  • Septic Tank Installers
  • Sprinkler Installers
  • General Contractors

Plumber General Liability Insurance

Unfortunately for every business owner, the chances of getting sued have dramatically increased. A general liability insurance policy that is designed for plumbers can prevent a legal suit from turning into a financial disaster by providing insurance protection in case your business is ever sued or held legally responsible for some injury or damage. Your policy may include:

  • bodily injury coverage
  • contractual liability coverage
  • legal defense costs
  • property damage coverage
  • products liability coverage
  • and more…

Workers Compensation Insurance for Plumbers

Workers Compensation Insurance is designed to help plumbing contractor companies pay benefits to employees who are injured on the job. In most states, you are required to carry Workers Compensation coverage. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities.

Plumber Surety Bonds

Plumber Surety Bonds are commonly used as an assurance between the contractor and the client as well as between a general contractor and his or her subcontractors.

  • License & Permit Bonds
  • Bid Bonds
  • Contract Bonds
  • Subcontractor Bonds
  • Payment and Performance Bonds
  • and more…

In the state of Illinois, it is required by the Departmant of Public Health that you obtain an Illinois Plumber Surety Bond in the amount of $20,000 before you can be licensed by the State.

Inland Marine Insurance

Any plumbing contractor who regularly moves expensive materials, equipment, or supplies from one job site to another job site should have some type of inland marine insurance. This way, in the event of an accident, the goods or materials being shipped are protected separately from your auto policy.

Umbrella Policy

An umbrella insurance policy plugs holes in your existing coverage. It provides additional protection that kicks in when the primary plumbers insurance coverage has been exhausted.

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