Get plumber insurance in Washington State. General liability, workers comp, and tools coverage for plumbing contractors. Same-day certificates available.
Most plumbers in Washington need the following types of coverage to protect their business:
Protects against third-party claims for bodily injury, property damage, and advertising injury.
From $19.99/moCovers employee injuries and illnesses that occur on the job.
Covers vehicles used for business purposes.
From $99.99/moHere's what plumbers need to know about insurance requirements in Washington State:
Not sure what coverage you need? Our team can help you understand Washington's requirements for your specific situation.
Get Expert GuidancePlumber insurance in Washington typically costs $74.99 to $279.99 per month for general liability. Service plumbers who do repair work often pay more than new construction plumbers due to higher water damage risk. Workers comp costs vary based on your payroll and are paid quarterly through L&I.
Washington plumbers need general liability insurance (most GCs require $1M minimum), workers compensation through L&I if you have employees, commercial auto for work vehicles, and a $12,000 contractor bond. Many plumbers also carry inland marine coverage for tools and equipment.
Yes, general liability insurance covers water damage you cause to a client's property while working. This is one of the most common claims for plumbers—a burst pipe or improper connection that floods a home can cost tens of thousands in damages. Make sure you have adequate limits.
Yes, even solo plumbers need insurance. General liability protects you from claims, and most clients and GCs require proof of coverage. While workers comp for yourself is optional as a sole proprietor in Washington, it's recommended since personal health insurance may not cover work injuries.
Professional liability (E&O) for plumbers covers claims that your design, planning, or recommendations caused problems—like specifying the wrong pipe size or designing a system that doesn't meet code. This is separate from general liability which covers physical damage you cause.
Get a free quote in minutes. Our Washington State insurance experts are here to help you find the right coverage at the best price.
