A solo plumber pays about $70 to $200 a month for general liability alone — roughly $850 to $2,400 a year. Add commercial auto, tools coverage, and workers' comp for a small crew and a full package commonly runs $300 to $800 a month. The number lands where it does because of water-damage risk, your payroll, and your claims history.
We run our own home-service companies, so we carry this kind of coverage ourselves. This is a straight breakdown of what each policy costs, what moves the price, and how to keep it down — not a quote, but the honest ranges so you know whether yours is fair.
The core policy, covering third-party property damage and injury. For a plumber, this is the one that pays when a job floods a customer's home. Most carriers price a solo plumber here for $850–$2,400 a year.
Your work van or truck needs commercial coverage, not personal auto. Price depends on driving records, the vehicle, and how far you travel for jobs.
Covers theft or damage to the gear in your van — inexpensive and worth it given how much a stolen toolset costs to replace mid-week.
Required in most states once you have employees, priced per $100 of payroll. Plumbing's rate is higher than office work because of the injury risk. This is usually the biggest line as you grow.
Two identical-looking plumbers can pay very different premiums. The drivers:
Insurance is not the place to gold-plate. Carry what your state, your license, and your customers require, then stop. You're probably over-buying if:
To lower the bill without cutting protection: bundle into a business owner's policy, raise your deductible, keep claims clean, and pay annually instead of monthly.
Insurance protects the business. It doesn't grow it. Once you're properly covered, the next dollar is better spent getting in front of homeowners searching for a plumber. We build plumbing sites that rank, put your license and reviews up front, and use an AI assistant to catch the after-hours emergency call. We run this on our own companies.
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General liability is the core. Most plumbers add commercial auto, tools coverage, and workers' comp once they have employees. A business owner's policy bundles liability and property and often costs less than buying separately.
Water damage. One mistake on a supply line or water heater can flood a house, so insurers price plumbing higher. A clean claims record, proper licensing, and higher deductibles bring it back down.
Bundle into a business owner's policy, raise your deductible, keep claims clean, classify employees correctly, and pay annually. Reshopping two or three carriers each renewal usually beats auto-renewing.
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