Author: Kimberlee | November 14, 2025
Edited by: Kimberlee and Reviewed: Kimberlee
Plumbers face risks of property damage and liability every day. You never know when a twist of a pipe will lead to a flood of a room. This is why plumbers need insurance to cover them from accidents that can happen. We’ve compiled the best of plumbing insurance so small business owners can have confidence in their insurance company.
Even the best plumbers who take the most precautions are subject to accidental property damage and incidents where things go wrong. Having an insurance policy allows the company to rely on the insurance to pay the claim, so the money doesn’t need to come out of the plumber’s pocket.
Best Overall: The Hartford
Best Fleet Insurance: Progressive
Best for Solo Plumbers: Next Insurance
Best Customer Service: Hiscox
Best Claims Service: Liberty Mutual
| AM Best Rating | A+ (Superior) |
| Trustpilot Score | 1.2 stars |
| Pros | Cons |
| Specialized policy for plumbers | Negative Trustpilot reviews |
| Small business expert | Difficult underwriting |
| Covers all business lines of insurance | Poor customer service reports |
Why we chose it: The Hartford gets our best overall rating because it tailors policies to meet the needs of plumbers, all for an affordable price.
The Hartford has a plumbers policy that is designed to help any plumber, whether they work solo or have a team. It is customizable, so you only get what you need and can combine it with other policies. The Hartford understands the different types of plumbing sectors and has a policy to meet those needs. So if you are a septic system construction worker, a drainage system installer, or a traditional plumber, The Hartford has you covered. You can start a quote online and finalize things with a call from the company. It takes just a few minutes to get through the application process and get started with your plumbers’ insurance today.
| AM Best Rating | A+ (Superior) |
| Trustpilot Score | 1.2 stars |
| Pros | Cons |
| Number one auto insurance company | Negative Trustpilot reviews |
| More than 50 years of experience | Doesn’t underwrite all business policies |
| Combine policies for bundling discounts | Reports of added charges for paper billing |
Why we chose it: Progressive is the leader in commercial auto insurance in the country, insuring more vehicles than any competitor. They handle claims well with positive customer satisfaction.
While Progressive writes most lines of commercial insurance, it doesn’t underwrite all policies, which means it farms those policies out to other insurance carriers. However, by getting policies through Progressive, you can bundle and save. It’s a strong company with an AM Best rating of A+, which is among the top ratings one can get. Progressive is known for its vehicle insurance, making it an ideal fit for plumbers who use work trucks or vans.
| AM Best Rating | A- (Excellent) |
| Trustpilot Score | 4.5 stars |
| Pros | Cons |
| Micro business specialist | Newer company founded in 2016 |
| Excellent customer reviews | Doesn’t underwrite all business policies |
| Issues most business policies | Doesn’t have top AM Best rating |
Why we chose it: Next Insurance is designed for micro companies to get insurance online quickly and easily for a price that meets their budget demands.
Next Insurance offers up to 25% off of business insurance when you combine to bundle policies. They offer business owners policies, professional liability, and workers’ compensation. Next Insurance does everything with a small business owner in mind, offering pricing policies that meet the needs of plumbers without breaking the bank. It takes just a few minutes to get a quote online and bind the coverage, so you have protection almost immediately.
| AM Best Rating | A (Excellent) |
| Trustpilot Score | 1.6 stars |
| Pros | Cons |
| Micro business specialist | Poor Trustpilot score |
| Knowledgeable licensed agents | Underwrites limited policies |
| Long trusted history as insurer | Doesn’t have top AM Best rating |
Why we chose it: Hiscox makes it easy to get a policy with its online application or trusted agents you can speak with, making it a top choice for customer service.
Hiscox is known as a micro business specialist, best priced for those with five or fewer plumbers on the team. It was founded in 1901, giving it a large body of work that gives it the experience necessary to help business owners with the right insurance and through complex claims. Plumbers can get general liability, business owners policies, professional liability, and cyber insurance through Hiscox. They don’t cover workers’ compensation, so this could be a gap for plumbers looking to get all policies in one place.
| AM Best Rating | A (Excellent) |
| Trustpilot Score | 1.1 stars |
| Pros | Cons |
| Track claims in app | Poor customer service reviews |
| Bundling discount for business policies | Less known for business insurance |
| Competitive rates | Doesn’t fare well on Trustpilot |
Why we chose it: Liberty Mutual walks customers through the claims process and even has a convenient app that allows you to track the claim through the entire process.
Liberty Mutual was founded in 1912, giving it a long history of serving insurance clients. It offers a wide selection of business insurance products, including business owners policies, professional liability, and workers’ compensation. Keep in mind that Liberty Mutual doesn’t underwrite all policies itself and may use strategic partners to provide insureds with the best possible policy. The Liberty Mutual app makes managing policies and claims a breeze, giving you a clear view at any given moment in time.
Plumbers may need multiple policies to properly cover their business and assets.
General liability insurance covers claims of third-party losses due to general business practices. This may include a plumber accidentally causing a flood in a home’s kitchen or something as innocent as tripping and landing against a piece of art, thereby damaging it. Most plumbers start with a general liability policy.
Professional liability insurance is a policy that pays for damages to clients when the work is claimed to have been performed incorrectly. These are claims of professional errors that lead to a loss in the home.
Commercial property insurance pays for the home location of the plumber where a loss may occur due to fire, theft, or other covered loss. This includes structures and business property maintained at the location.
Workers’ compensation insurance pays for medical bills and lost wages of employees injured on the job. This could be a plumber who hurts his back digging out a pipe or a receptionist who falls and twists her ankle on the job.
Most plumbers use trucks or vans to transport tools and supplies to and from locations. Commercial auto insurance covers claims resulting from at-fault accidents that involve liability damage to another vehicle. Some policies will also pay for damages to the plumber’s vehicle.
Tool and equipment insurance pays for lost or damaged tools that are away from the home location. These are the tools that are frequently transported in work vehicles and may be damaged in an accident or lost due to theft.
Applying for plumbing business insurance is easy. Follow these steps to keep things simple:
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