Plumbing and electrical contractors
Insurance for plumbers and electricians
Plumbers and electricians work behind walls, under floors, and inside systems that can cause serious water or fire damage if something goes wrong. Kaufman Insurance Group compares insurance for plumbers and electricians from multiple companies to help you protect your license and your business.
- Liability for water and fire damage claims
- Coverage for work vans, tools, and parts
- Certificates for contractors, homeowners, and permits
Personal & Commercial · Quick Quotes – Good Rates · Great Companies
As an independent agency, we compare plumbing and electrical insurance from the companies we work with. The companies that can quote you depend on your type of business, your operations, where you work, and each company’s own rules.
These logos show some of the insurance companies Kaufman Insurance Group may be able to quote as an independent agency. Showing a logo does not mean the company endorses us. Which companies can offer you coverage depends on the type of insurance, where you live, and each company’s own rules.
The basics
What plumbing and electrical insurance is
Insurance for plumbers and electricians is a group of business policies for licensed trades that install and repair plumbing, drain, and electrical systems. It protects you when your work is blamed for injuries or property damage, and it protects the vans, tools, and inventory you carry.
The biggest risks in these trades often show up after the job. A fitting that fails can flood a finished basement. A wiring problem can start a fire. That is why completed operations coverage, which covers claims after your work is finished, is an important part of your general liability policy.
Many plumbers and electricians also carry parts and inventory on their vans, and use expensive tools such as drain cameras, jetters, and testing equipment. Those items need their own coverage, because general liability does not cover your own property.
Plumbing work
Service and repair, drain cleaning, water heaters, remodel rough-ins, and new construction.
Electrical work
Service calls, panel upgrades, wiring, lighting, generators, and new construction.
Know what you are choosing
Coverages plumbing and electrical businesses commonly need
Every business is different, and the options depend on the company. These are the policies we review most often for this trade.
General liability
Helps pay for injuries and property damage your work causes, including water and fire damage after the job is done, depending on the policy.
Tools and equipment
Covers tools, drain cameras, testing equipment, and parts in your vans or at job sites.
Commercial auto
Covers service vans and trucks, including employees who drive them.
Workers compensation
In Ohio, this coverage comes from the state, not an insurance company. If you have employees in other states, we can help with workers compensation there as it comes up.
Contractor license bonds
Some towns and states require a bond, which is a financial promise backed by a surety company, to get a license or permit.
Umbrella or excess liability
Higher liability limits for commercial contracts and larger projects.
Is it right for you
Who we help
We help plumbing and electrical businesses of all sizes.
Service and repair companies
Residential and light commercial service calls.
New construction contractors
Rough-in and finish work for builders and general contractors.
Drain and sewer specialists
Drain cleaning, jetting, and camera inspection.
Solo licensed tradespeople
One-person businesses that need liability and certificates.
Need a certificate or license bond to pull a permit? An agent can help.
How Kaufman helps
How we help plumbing and electrical businesses
We are an independent agency, so we can compare coverage from multiple companies and put the right pieces together for your business.
Tell us about your work
Share whether you do plumbing, electrical, or both, the types of jobs, your revenue or payroll, vans, and any license bond needs.
We compare companies
An agent reviews options from the companies we work with and explains limits, exclusions, and any contract requirements.
Get covered and get certificates
Choose your coverage. We can issue certificates of insurance and add customers as additional insureds when your policy allows.
We focus on Ohio and North Carolina, and we can also help contractors in most other states. See our contractor insurance page for other trades, or learn more about general liability insurance.
Common questions
Insurance for Plumbers and Electricians questions
What insurance does a plumber or electrician need?
Most start with general liability. Many also need commercial auto for vans, tools and equipment coverage, workers compensation for employees, and sometimes a license bond.
Does general liability cover water damage from my plumbing work?
It may, depending on the policy and the situation. Completed operations coverage is important because many water damage claims happen after the job is done.
Do I need a bond to get my license?
Some cities, counties, and states require contractor license bonds. Requirements vary, so check with your local licensing office and tell us what you need.
Are the parts on my van covered?
Parts and inventory usually need tools and equipment or inland marine coverage. General liability does not cover your own property.
Can you send certificates of insurance to my customers?
Yes. Once your policy is active, we can issue certificates of insurance and, when your policy allows, add customers or general contractors as additional insureds.
Related coverage
Related contractor and business coverage
HVAC contractor insurance
Coverage for heating and cooling contractors.
Explore HVAC insuranceCommercial auto insurance
Coverage for the trucks, vans, and cars your business uses.
Explore commercial autoGeneral liability insurance
Protection if your business is blamed for injuring someone or damaging their property.
Explore general liabilityConstruction and contracting insurance
Coverage for contractors and trades, from handymen and remodelers to roofers and HVAC pros.
Explore contractor insuranceReady to protect your business?
Start a plumbing and electrical insurance quote online, or contact us with questions. An agent at Kaufman Insurance Group will help you compare your options.
Prefer to talk? Call (330) 486-8404.