Insurance For Plumbers In Washington
Plumbers in Washington keep the state’s residential and commercial infrastructure running smoothly. From emergency pipe repairs in Seattle to full system installations in Spokane, plumbing work involves risks that require comprehensive insurance coverage. Protecting your business with the right policies—and maintaining the proper bond—ensures compliance, builds trust, and prepares you for the unexpected.
General liability insurance is a must for plumbers. It covers third-party injuries and property damage, such as if a leak causes water damage in a client’s home or a customer trips over your equipment. This type of insurance is often required by clients and general contractors before work can begin.
Washington law mandates that plumbers with employees carry workers’ compensation insurance. Plumbing work involves physical labor, heavy lifting, confined spaces, and sharp tools—all of which can lead to job-related injuries. Workers’ comp covers medical expenses, lost wages, and rehabilitation if an accident occurs.
Your tools are the backbone of your business, making tools and equipment insurance essential. Also known as inland marine insurance, it protects portable gear—like pipe threaders, inspection cameras, and drain augers—from theft, damage, or loss in transit or at the job site.
A commercial auto insurance policy is needed if you drive to job sites in a company-owned vehicle. It provides protection in case of accidents, vehicle theft, or property damage involving work vans and trucks. If your crew occasionally uses personal vehicles for business, hired and non-owned auto coverage can help fill in the gaps.
In Washington, plumbing contractors must be licensed and bonded to operate legally. A contractor bond guarantees that you’ll follow through on projects, comply with applicable building codes, and uphold state regulations. It provides assurance to both the public and regulatory agencies that your work is reliable and accountable.
Some plumbing businesses may benefit from errors and omissions insurance, particularly those that consult on plumbing design or work on high-end custom projects. This policy covers claims related to faulty advice, oversight, or failure to meet performance expectations.
At Insurance Alliance, we specialize in protecting tradespeople like plumbers with tailored insurance plans across Washington. Whether you’re an independent journeyman or run a growing team, we’ll help you meet licensing requirements and protect your livelihood with comprehensive, affordable coverage.
Contact Insurance Alliance today to secure an insurance and bonding package designed to keep your plumbing business flowing smoothly.
