Plumbers Business Insurance (BOP)

What’s in a Plumbers Business Policy?

• General Liability: Third‑party injuries and property damage from your operations, completed work, and products.
• Business Owners Policy (BOP): Combines GL with Business Property (office/warehouse contents) and Business Income after a covered loss.
• Commercial Auto: Liability and physical damage for service vans and trucks; consider Hired & Non‑Owned Auto if staff use personal or rented vehicles.
• Workers’ Compensation: Required with employees; covers medical care and partial wages after on‑the‑job injuries.
• Tools & Equipment (Inland Marine): Covers mobile tools, sewer machines, jetters, trenchers, and rented/leased equipment.
• Umbrella/Excess Liability: Adds extra limits over GL/Auto/Employers Liability to meet bid specs.

Tip: Many GCs and municipalities require Additional Insured, Waiver of Subrogation, and Primary & Non‑Contributory wording on your COIs. We’ll include the right endorsements for your contracts.

Common Plumbing Risks We Cover

• Water damage from burst lines or faulty installation
• Property damage while working at customer sites
• Injuries to third parties or your crew
• Tool theft from vehicles or jobsites
• Auto accidents in service areas

Ask about Contractors Pollution Liability for jobs involving sewage, mold, or contaminants (availability varies).

Who Is This For?

• Residential & light commercial plumbers
• Drain cleaning & hydro‑jetting services
• New construction & tenant improvements
• Service & repair (24/7 emergency calls)
• Pipefitters and mechanical/plumbing contractors

Whether you’re a solo owner‑operator or running multiple trucks, we’ll tailor coverage to your jobs, tools, and contracts.

Contract‑Ready COIs

• Additional Insured (ongoing/completed ops)
• Primary & Non‑Contributory wording
• Waiver of Subrogation
• Per‑project aggregate (where available)
• Scheduled tools & rented equipment

We issue fast certificates so you can pull permits and start work without delays.

Popular Add‑Ons

• Contractors Pollution Liability (sewage/backups, mold—eligibility varies)
• Installation Floater for materials staged at jobsites
• Rented/Leased Equipment coverage for short‑term needs
• Cyber (if you store customer data or take online payments)
• Employment Practices Liability (EPLI) for HR‑related claims

Ways to Save

• Bundle BOP + Auto + Workers’ Comp
• Driver screening & fleet safety program
• Secure tool storage and vehicle alarms
• Higher deductibles you’re comfortable with
• Track claims and fix loss trends each renewal

Frequently Asked Questions

What’s the difference between GL and BOP?

GL covers third‑party injury/property damage. A BOP bundles GL with coverage for your business property (office/warehouse contents) and business income after a covered loss.

How much liability limit do I need?

Check GC/city requirements. Many plumbers carry $1M/$2M GL, then add an umbrella for higher contracts. We’ll align limits to your jobs.

Are my tools covered in my van?

Tools are often limited under a BOP. We recommend a tools & equipment (inland marine) policy that follows your gear on the road and onsite.

Do I need pollution coverage?

For jobs with sewage, mold, or contaminants, ask about Contractors Pollution Liability (availability varies by carrier).

Can you add Additional Insured and Waiver of Subrogation?

Yes. We routinely issue COIs with AI/waiver and Primary & Non‑Contributory wording to satisfy contracts and permits.

Ready for a Fast, Competitive Quote?

Tell us about your crews, vehicles, tools, and typical jobs. We’ll compare carriers and send your COI fast.

Call (209) 701‑6900 Book a Time

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JSSR Insurance Agency — Our Knowledge, Your Success.