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Georgia business insurance for plumbers

Get Plumbing Contractor Insurance in Georgia: Avoid a Drip Turn into a Flood of Financial Liability

get Georgia plumbing business insurance quote from The Allen Thomas Group

Stressed about a plumbing mistake turning into a financial nightmare for your Georgia business? 

Don’t let a leak sink your hard work! 

Plumber insurance protects you from lawsuits, property damage, and customer injuries. Worried about a burst pipe or a slip and fall on the job?

The Allen Thomas Group understands the risks Georgia plumbers face. We craft customized plumbing business insurance solutions to keep your business flowing smoothly.

Get a free quote today and breathe easy!

Click below to get an insurance quote right away!

What is the cost of plumbing insurance in Georgia?

The cost of plumbing insurance can vary widely based on factors like:

  • Size of your business (solo plumber vs. multi-van operation)
  • Location (insuring a business in Greenwich might cost more than one in Putnam)
  • Claims history (like your credit score, a clean history helps)
  • Coverage limits and deductibles

The average cost for Georgia plumbing business liability insurance falls somewhere between $55 and $166 per month, translating to $660 to $1,992 annually.

Table of Contents

Why Do Plumbers Need Liability Insurance?

As a plumbing contractor, you’re the unsung hero keeping homes and businesses flowing smoothly. 

But in this industry, even the smallest drip can quickly turn into a financial flood if you’re not properly insured.

That’s why we’re diving deep into the world of plumbing liability insurance – because protecting your business is just as crucial as protecting your clients’ properties.

Plumbing contractors need different types of insurance coverage for several reasons:

Financial Protection: Accidents happen, even to the most skilled plumbers. A small mistake during a repair could lead to a major water leak, damaging a customer’s property. Liability insurance covers these costs, preventing a single incident from financially crippling your business.

Lawsuit Defense: Even if you’re not at fault, a customer might sue if they believe your work caused injury or property damage. A liability insurance policy covers legal fees and potential settlements, protecting your business from costly lawsuits.

Peace of Mind: Knowing you’re covered allows you to focus on the job without the constant worry of what a mishap might cost. Business insurance provides a safety net for your small business that helps you work with confidence.

Customer Confidence: Having proper insurance demonstrates professionalism and builds trust with clients. They’ll feel more comfortable knowing they’re protected if something unexpected happens during the plumbing work.

Types of Business Insurance for Georgia Plumbing Contractors

Best Georgia contractor liability insurance

General Liability Insurance

General Liability Insurance is the cornerstone of any plumbing contractor’s insurance portfolio in Georgia.

Plumber’s liability insurance is the first line of defense against a wide array of risks that your plumbing business faces daily. Consider it your safety net, catching the unexpected before it hits your bottom line.

An affordable plumber’s general liability insurance policy covers three key areas: property damage, bodily injury, and personal and advertising injury. In the property damage realm, it’s not just about big disasters. Even small mishaps can lead to significant claims. 

Bodily injury is another critical component. Georgia’s hot summers and occasional icy winters make slip-and-fall accidents a real concern. If a client or passerby trips over your tools or slips on water from your work, you could be liable for their medical bills, lost wages, and even pain and suffering. 

Lastly, in this digital age, advertising injuries are increasingly common. If your marketing inadvertently uses a competitor’s slogan or you make a claim about your services that a client deems false, even the cheapest plumber’s general liability insurance policy can cover legal fees and damages. 

While some plumbing jobs might be small and seemingly low-risk, having plumber’s general liability insurance required for all projects protects your business in case of unexpected accidents.

In Georgia’s litigious environment, where the average plumbing business liability insurance claim exceeds $50,000, General liability insurance for plumbers isn’t a luxury—it’s a necessity for a Georgia plumbing company. It allows you to take on jobs confidently, knowing that a single mistake won’t sink your business.

Workers’ Compensation Insurance

In the plumbing trade, your employees are your most valuable assets. They’re the ones crawling under Macon houses to fix leaks or braving Athens attics to install new pipes.

Workers’ Compensation Insurance in Georgia isn’t just a legal requirement; it’s a moral obligation and a smart business decision.

Georgia law mandates workers’ comp insurance for plumbing businesses of all sizes with one or more employees. 

Plumbing is physically demanding and hazardous. There are numerous risks associated with plumbing. 

Workers compensation insurance covers the cost of medical treatment, regardless of the fault of plumbers in Georgia. 

Moreover, insurance can provide death benefits for families if the unthinkable happens.

Beyond the humanitarian aspect, workers’ comp policy for your business protects your reputation.

Without this essential plumbing insurance coverage, injured employees might sue, potentially bankrupting you. With it, employees are generally barred from suing for work-related injuries.

Additionally, having workers’ comp can lower small business insurance premiums for general contractors in Georgia and help you win bids.

Many commercial clients in places like Buckhead or Alpharetta may not hire contractors without proof of liability insurance and workers comp.

In Georgia’s plumbing industry, where risks range from burns and falls to more severe incidents, workers’ comp isn’t just a cost—it’s an investment in your team’s safety and your business’s longevity.

Professional Liability (E&O) Insurance

In plumbing, even the most skilled professionals can make mistakes. That’s where Professional Liability Insurance, also known as Errors and Omissions (E&O) Insurance, comes in.

It’s your safety net for those “oops” moments that can turn into major financial headaches for a Georgia plumbing contractor.

Unlike a plumbers general liability insurance policy, which covers physical damages, E&O is a crucial insurance you need to shield yourself from claims of financial harm due to your professional services.

In plumbing, these claims often stem from errors in design, installation, or advice. 

E&O insurance would cover costs for plumbing legal defense if you’re sued and/or found liable, it would pay the damages up to your policy limit. Without this crucial business insurance, these claims could bankrupt your business.

E&O is particularly crucial for every plumbing business in Georgia, where you’re often working in high-value homes in places like Roswell or commercial properties in bustling areas like Midtown Atlanta. A single mistake can lead to substantial financial losses for your clients.

Remember, E&O covers you even if you’re not at fault. Your business faces serious risk from meritless claims that could cost you thousands. With E&O, you can focus on your work, confident that a mistake or a misunderstanding won’t sink your business in Georgia.

Commercial Auto Insurance

In the plumbing world, your vehicles are more than just transportation—they’re mobile workshops. From the narrow streets of Decatur to the bustling highways around Atlanta, your work vans are constantly on the move, carrying tools, materials, and your team.

That’s why Commercial Auto Insurance is a non-negotiable part of your business protection plan.

Commercial auto coverage goes beyond what your personal auto policy covers. It’s designed for the unique risks of business driving. If your apprentice backs your van into a client’s garage in Sandy Springs, or if a tool falls off your rack and damages another vehicle on I-285, commercial auto insurance policy for your plumbing business has got you covered.

This insurance policy will cover injuries. Commercial auto insurance provides protection in the event of an accident, covering their medical expenses and lost wages.

Moreover, commercial auto insurance offers coverage for your tools and equipment during transit.

Suppose your van is broken into overnight in a Peachtree City parking lot, and thieves make off with thousands in specialized tools. In that case, your plumbing insurance policy can help replace them, minimizing downtime.

Plumbing Tools and Equipment Insurance 

Tools are integral to your plumbing business. From pipe wrenches and drain snakes to high-tech leak detectors and hydro-jetters, these tools represent a significant investment. 

More importantly, they’re what allows you to serve your clients, from unclogging drains in Alpharetta apartments to installing radiant heating systems in Dahlonega farmhouses.

That’s why Tools and Equipment Coverage, often part of inland marine insurance, is so crucial.

The right insurance coverage for your business doesn’t just protect against theft and natural disasters. It can also cover accidental damage. With the right coverage, you’re not out of pocket for a new one.

In Georgia’s varied climate, from sweltering summers to occasional freezing winters, your tools face extra wear and tear. You need insurance that fits your requirements.

Luckily, this insurance can cover premature failures, ensuring you’re not constantly shelling out for replacements.

Beyond the financial aspect, this coverage keeps you operational. In emergencies—like a main break in a Dunwoody office building—having your tools immediately replaced means you can respond promptly, preserving your reputation.

Commercial property insurance

Beyond protecting yourself from liability lawsuits, commercial property insurance is a must-have for Georgia plumbers.

Property insurance provides protection for your physical business location, whether it’s a storefront or a storage unit.

This insurance covers damage caused by fire, theft, vandalism, and even weather events. Imagine a burst pipe causing a flood in your office – commercial property insurance would help get things back up and running smoothly. Don’t let a physical setback disrupt your plumbing business. 

top-rated provider of Georgia affordable plumber liability insurance

What Can The Allen Thomas Group Do for Your Plumbing Business?

We’re not just insurance agents; we’re your business partners.

With over two decades of experience insuring Georgia contractors, we understand the unique challenges you face, from the humidity-driven corrosion in Savannah to the occasional ice storms in Athens.

Our approach is simple: we listen. Whether you’re a solo plumber in Tybee Island or running a commercial operation out of Midtown Atlanta, we tailor comprehensive insurance policies to your specific needs. We work with leading insurance carriers to find you the best rates without sacrificing coverage.

Navigating Claims with The Allen Thomas Group

Claims can be as tricky as navigating the labyrinth of old pipes beneath Savannah’s historic district. But with us, you’re not alone. We guide you through every step, from initial reporting to final resolution. We’re your advocates, fighting to ensure you get fair compensation quickly.

Evolving with the Plumbing Industry

The plumbing world doesn’t stand still, neither do we. As new technologies like smart irrigation systems for Georgia’s lawns and eco-friendly installations emerge, new risks follow. We stay ahead of the curve, regularly reviewing and updating your policies to ensure you’re protected against tomorrow’s challenges.

What Makes Plumber Insurance Crucial: Plumbing Risks in Georgia

In Georgia’s diverse climate, from the sweltering summers of Macon to the occasional ice storms in Athens, plumbers face unique risks that can quickly drain a business dry.

Imagine installing a boiler in a historic Savannah home and accidentally damaging irreplaceable heart pine floors, or your apprentice slipping on a mossy roof in Marietta after a summer thunderstorm.

These aren’t hypotheticals; they’re real risks that have led to costly lawsuits, like the $200,000 case in Atlanta’s West End where a faulty valve ruined a client’s Southern literature collection, or severe injuries, such as the plumber’s apprentice who suffered a head injury after falling from a ladder during an ice storm repair in Athens.

The National Association of Home Builders reports plumbing issues as a top reason for contractor lawsuits.

With Georgia’s booming, lawsuit-prone business environment stretching from the high-end homes of Buckhead to the commercial properties of Midtown Atlanta, and its climate-stressing pipes with extreme temperatures and accelerating corrosion with high humidity, the right liability insurance protects your plumbing business like a shield.

Tailored Insurance Solutions Built For Your Georgia Plumbing Business

Yes, It's Really That Easy

We know how frustrating and complex the process of finding the right plumbers liability insurance can be and how it can be difficult to get a certificate of insurance quickly.

Let us help craft a policy that works for you.

Step 1: Assess

Tell us about your specific needs and we will find the right policy for you.

Step 2: Review

Review the results of our search.

Step 3: Service

We will walk you through your new policy step by step.

Get Plumbing Business Insurance in Georgia Now

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That allows us to find the best rates for your business.

Get Your Free Insurance Quote for Your Plumbing Company

Don’t let insurance uncertainties clog your business. Get a free, no-obligation quote from The Allen Thomas Group today.

We are a top-rated independent insurance provider in Georgia.

Our streamlined process makes getting comprehensive insurance coverage as easy as turning on a faucet in one of Atlanta’s sleek, modern condos.

Remember, a small leak can eventually sink the ship in the plumbing business. Thus insurance is essential to safeguarding your plumbing business.

Contact The Allen Thomas Group today at (440) 826-3676 to get the right coverage at the right time. The right type of insurance provides the protection you need for your plumbing job.

Don’t forget even a single claim can cost more than years of premiums. 

Our tailored insurance policies, claims support, and industry-evolving coverage ensure that your business can handle any leak, literal or financial.

What’s more, we will provide you with certificate of insurance so potential clients can trust and happily do business with you. 

Get a fast quote for the best insurance rates and invest in your peace of mind with a certificate of insurance. Let’s start assessing your insurance requirements right away!

Popular Georgia Cities We Serve Plumbers In












Belvedere Park
















College Park






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Dock Junction




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Flowery Branch

Forest Park

Fort Oglethorpe

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Johns Creek







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Mountain Park



North Decatur

North Druid Hills


Peachtree City

Peachtree Corners



Port Wentworth

Powder Springs


Richmond Hill





Sandy Springs



Skidaway Island



South Fulton


St Marys



Stone Mountain

St Simons

Sugar Hill










Union City



Villa Rica


Warner Robins


Whitemarsh Island

Wilmington Island