Texas Plumber Insurance — Fast COI

General liability and workers’ comp for licensed plumbers in Texas. Quote and bind online. Get your certificate the same day.

PlumbersSame-Day COIA-Rated Carriers$1M / $2M LimitsMonthly Payments
Get My Quote Online
Per-Job Quote (Thimble)
Talk to a Specialist

Annual policy: NEXT Insurance  ·  Per-job: Thimble  ·  Boerne / San Antonio: 210-640-7050

Coverage for Plumber Contractors

General Liability

Covers bodily injury and property damage to third parties caused by your work. Required on virtually every commercial job, permit pull, or GC subcontract in Texas.

Completed Operations

Protects you after the job is finished. If work you performed causes damage days or weeks later, completed operations responds. Critical for any trade work that touches occupied structures.

Additional Insureds

GCs, property owners, and municipalities will require you to add them to your policy. We handle endorsements so your COI is accepted the first time.

Waiver of Subrogation

Required on most Texas commercial contracts and government work. We add it correctly when your contract requires it.

Workers’ Comp

Required when you have employees. Covers medical bills and lost wages for workers injured on the job. GCs and commercial clients typically require proof before allowing crews on site.

Commercial Auto

Vehicles used for service calls, material hauling, or job-site transport need commercial auto coverage. Personal auto policies exclude business use.

Plumber-Specific Risk

Plumbing carries significant water damage exposure. A failed connection, improper pipe repair, or installation error can flood a home or commercial space — resulting in five-figure claims fast. Make sure your GL policy includes completed operations coverage and that your policy limits match what GCs and permit offices require. Not all online policies are the same here.

What Does Plumber Insurance Cost in Texas?

GL Only — Solo
$900–$1,700
per year
GL — Small Crew
$1,600–$3,000
per year
Per-Job (Thimble)
$20–$70
per day / job
Workers’ Comp
$4–$8
per $100 payroll

Rates rising in 2025? See what the data shows: 2025 Contractor Insurance Cost Report

Prior claims, subcontractor use, or commercial work scope may affect pricing. Monthly payment options available on most policies.

Who This Is For

Residential Plumbers

New construction rough-in, remodels, fixture replacement, drain cleaning. Most standard residential plumbers qualify for fast online binding with same-day COI through NEXT or Thimble.

Commercial Plumbers

Office builds, multifamily, retail, industrial. GC contracts typically require higher limits, specific endorsements, and completed operations. Our specialists handle complex commercial placements.

Service & Repair

Water heater replacement, leak repairs, repiping. Good fit for the online lane when operations are standard and claim history is clean.

Backflow & Specialty

Backflow testing, gas lines, medical gas — higher-hazard work that may require specialty carriers. Our advisor team places these correctly.

How It Works

1

Answer Questions

Trade type, payroll, prior claims. 5 minutes for simple situations.

2

Get Your Quote

Instant pricing from A-rated carriers. Annual through NEXT, per-job through Thimble.

3

Bind & Get COI

Pay online, download your certificate the same day.

Commercial projects, prior claims, gas line work, or specific contract wording? Use the specialist path — we review your contract and get the COI right the first time.

Common Questions

Do I need to be a licensed plumber to get insurance in Texas?
You don’t need a license to purchase insurance, but most carriers ask your trade classification and license status. In Texas, plumbers must be licensed through TDLR. Some carriers offer better rates to licensed plumbers with a clean record.
What GL limits do I need as a plumber?
Most GCs and commercial projects require $1M per occurrence / $2M aggregate. Some municipal and government projects require $2M per occurrence. Always review your contract requirements before buying.
Can I get covered today for a job starting tomorrow?
Yes — for most standard residential or light commercial plumbers with clean loss history. Bind online and download your COI in minutes. Jobs with complex wording or endorsement requirements should go through our specialist path.
Does GL cover water damage caused by my plumbing work?
GL covers property damage to third parties caused by your operations, including completed operations claims. It does not cover the cost to repair your own work — only resulting damage to surrounding property.
I use subcontractors on larger jobs. Does my policy cover them?
Standard GL policies often exclude sub work or require subs to carry their own coverage. If you regularly use subs, let our specialists know so we structure the policy to cover that exposure correctly.

Ready to Get Your COI?

Quote online in minutes or talk to a Texas specialist for complex situations.

Get Quote Online
Per-Job Quote (Thimble)
Talk to a Specialist

Boerne / San Antonio: 210-640-7050  ·  Specializing in TX contractor GL & WC since 2010