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Understanding Plumbing Insurance for North Carolina Plumbers

The plumbing industry is a vital service sector, ensuring the smooth functioning of residential and commercial spaces for North Carolina residents.
However, unexpected events like property damage or employee injuries can pose significant financial threats to your plumbing business.
That’s where having the right business insurance may be your best safety net, protecting your exterior and interior plumbing services from unforeseen liabilities and ensuring its continued success.
From safeguarding your valuable tools to providing peace of mind in case of lawsuits, getting the appropriate type of insurance is critical.
You do not need to go further for plumbers liability insurance.
The Allen Thomas Group can help you find the right coverage to protect your business if you hold a plumbing contractor license.
Get a quote right away!
What is the cost of Plumbing Contractor Insurance in North Carolina?
While the average cost of insurance in North Carolina for licensed plumbers can vary depending on factors like experience and claims history, having the right coverage is essential to protect your business.
With the right coverage limits, you can secure your business from unwelcome events.
General Liability Insurance: Plumbers in North Carolina pay an average of $115 per month, or $1,378 per year.
Business Owner’s Policy (BOP): Plumbers in North Carolina pay an average of $166 per month, or $1,992 annually.
Plumbers in North Carolina pay an average of $74 per month, or $888 per year, for professional liability insurance.
Table of Contents
Why North Carolina Plumbers Need Business Insurance
The plumbing business, while rewarding, comes with inherent risks. Here’s why commercial plumbing services need insurance:
Financial Protection
Accidents happen. Even a minor slip and fall on a job site can result in a lawsuit. Insurance safeguards your business from financial losses due to third-party claims and employee injuries.
Peace of Mind
Knowing you’re covered allows you to focus on running your business without worrying about unexpected expenses.
Insurance protects your valuable plumbing systems and equipment, provides coverage for professional mistakes, and even offers additional liability protection.
Compliance
North Carolina mandates workers’ compensation insurance for businesses with employees. Additionally, some local governments may require plumbing contractors to carry specific insurance types.
Client Confidence
Having proper small business insurance demonstrates professionalism and builds trust with clients. They’ll appreciate knowing you’re prepared to handle potential issues responsibly.
By investing in comprehensive insurance, many plumbers operate with confidence, minimize financial risks, and ensure their business thrives.
Types of Essential Insurance Coverage for North Carolina Plumbing Contractors

While North Carolina doesn’t require a statewide surety bond for all plumbing contractors, some cities and license classifications might mandate it.
It’s crucial to check with your local municipality or licensing department to confirm any surety bond requirements specific to your area.
General Liability Insurance
General liability insurance acts as your first line of defense against financial losses arising from lawsuits and settlements.
Imagine a customer tripping and falling in your workspace or accidentally damaging a client’s expensive flooring during a pipe installation.
General liability insurance can help cover third-party claims for bodily injury and property damage, including legal defense costs.
Workers’ Compensation Insurance
North Carolina law mandates workers’ compensation insurance for all businesses with employees.
Plumbers must take this policy to safeguard employee well-being by covering medical expenses, lost wages, and rehabilitation costs if they’re injured on the job.
It minimizes financial responsibility for work-related injuries for your business and fosters employee retention through comprehensive medical care.
Tools and Equipment Insurance
Think of tools and system coverage as a lifeline for plumbers in North Carolina. Although North Carolina does not require equipment coverage, it protects your essential plumbing gear, like wrenches, heating systems, pipe cutters, soldering equipment, toolboxes, and generators, from theft, damage, or loss.
Inland marine insurance covers you in such times, ensuring you always have the equipment to operate your business.
Appliance coverage helps minimize downtime and financial losses associated with replacing missing or broken tools in the tar heel state.
Errors and Omissions Insurance
Errors and omissions (E&O) insurance provides a safety net for situations where your professional recommendations go awry.
If a client sues you for negligence in your services, claiming a faulty recommendation resulted in water damage to their property, professional liability insurance offers coverage for mistakes, errors in judgment, or professional negligence.
The right plumbing insurance coverage grants peace of mind and protects you from unexpected legal expenses.
Commercial Property Insurance
Commercial property coverage is a financial safety net for your physical business location, including the building structure, plumbing fixtures, office equipment, and inventory.
Property insurance is essential in case of fire, theft, vandalism, wind, hail, or other specified events, depending on your policy.
Insurance provides protection and minimizes downtime and financial hardship by providing compensation to rebuild or repair your business property after a covered loss.
Umbrella Insurance
Plumbers operating in North Carolina need umbrella insurance to cover them against lawsuits exceeding the insurance limits of their policy. It could be financially devastating!
When working as a plumber, umbrella insurance provides additional coverage beyond your primary insurance policies.
This extra layer of protection safeguards your financial stability from such catastrophic claims. Plumbers can also take any additional insurance that covers them against other potential risks.
Commercial Auto Insurance
Similar to personal auto insurance, commercial auto insurance provides enough coverage for your company-owned vehicles used for business purposes from liability claims arising from accidents.
It offers collision, comprehensive, and liability coverage, ensuring financial protection for repairs or replacements in case of an accident and keeping your business operational even if a company vehicle is damaged.

Understanding North Carolina Plumber Insurance Requirements
Before we plunge into the depths of insurance options, let’s get our bearings on the lay of the land. The North Carolina Board of Examiners of Plumbing, Heating & Gas Fitting outlines specific licensing requirements for plumbers in the state.
Whether you’re sporting a P-1, P-2, or RLP license, you’ll need to demonstrate financial responsibility – and that’s where insurance comes in.
At a minimum, you’ll need general liability insurance to protect against claims for bodily injury and property damage to North Carolina homeowners or any other third party. But don’t stop there!
Workers’ compensation insurance is mandatory in North Carolina if you have three or more employees. It’s like a safety net for your team, covering medical expenses and lost wages if they get injured on the job.
Risk Management: Avoiding the Pitfalls
Speaking of unexpected claims, let’s talk about the risks you face as a contractor, including plumbers.
From accidental leaks that turn a client’s home into a swimming pool to slip and fall accidents on a job site, the potential for disaster lurks around every corner.
Did you know that a single slip-and-fall accident can cost tens of thousands of dollars in legal fees and settlements?
That’s enough to make any plumber’s wrench drop!
But with comprehensive insurance, you can breathe easy knowing you’re protected against such costly mishaps.
North Carolina-Specific Considerations
The North Carolina Department of Insurance is your go-to resource for understanding insurance regulations in the state.
But don’t stop there – consider specific North Carolina regulations that might impact your plumbing business, like lead safety or environmental regulations.
For example, did you know that North Carolina has specific requirements for plumbing work related to water conservation?
Make sure your insurance coverage takes these unique factors into consideration. It’s like adding a secret ingredient to your insurance recipe – it might just save your bacon one day.
While some insurance options may be essential for day-to-day operations, exploring specific contract requirements is crucial when securing insurance for your plumbing business.
These requirements, often outlined in contracts with clients or general contractors, can dictate the minimum coverage needed for your business to operate legally and competitively.
Finding the Perfect Fit: Tailored Plumbing Insurance Coverage for Your Business
Just as every plumbing job is unique, so are your insurance needs. The Allen Thomas Group works with multiple insurance agencies to find adequate coverage and competitive rates for you if you hold a North Carolina plumbing license.
Our insurance group prides itself on its dedication to understanding your specific needs and finding the best insurance options to keep your business flowing smoothly.
With over 20 years of experience serving North Carolina contractors, The Allen Thomas Group is your one-stop shop for all your insurance needs.
Our team of licensed insurance agents is dedicated to providing you with personalized service and comprehensive coverage solutions.
Dedicated to client satisfaction, we don’t just sell insurance and disappear like a phantom flush.
We’re your ongoing partner in risk management, offering claims assistance, and industry updates to help you stay informed and protected so that all of the insurance needs of your business are covered.
In the unfortunate event of a claim, we’ll be by your side 24/7, working tirelessly to ensure you receive a fair and prompt settlement. We’re here to help you avoid disaster and clean up quickly if it does strike.
Adapting to Evolving Risks With The Allen Thomas Group
The plumbing industry is constantly evolving, so are the risks you face.
From cybersecurity threats to new environmental regulations, your business faces unique challenges.
While obtaining your North Carolina plumber license allows you to operate legally, it doesn’t shield your business from potential financial risks.
North Carolina plumbers need insurance that includes coverage for a variety of risks.
Whether you’re replacing a leaky faucet or handling a complex gas line repair, having the right insurance is crucial for North Carolina plumbers.
It protects your business from unexpected financial burdens and ensures you can focus on delivering quality service to your clients.
That’s when you need the services of insurance professionals.
Tailored Insurance Solutions Built For Your North Carolina Plumbing Business
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.

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

Review the results of our search.

We will walk you through your new policy step by step.
Our Commercial Insurance Carrier Partners
That allows us to find the best rates for your business.









Get the Right Insurance for Your NC Plumbing Business Now
The Allen Thomas Group is an independent insurance provider for contractors in North Carolina.
We stay up-to-date on the latest trends and emerging risks in the plumbing industry.
We’ll customize your insurance for plumbing to ensure you’re protected against these new challenges, keeping your business as current as the latest plumbing technology.
In the world of plumbing, preparation is key. You wouldn’t start a job without the right tools, so don’t run your business without the right insurance in North Carolina’s litigious environment. Get your hands on any additional insurance for extra coverage in case you run into trouble.
Let The Allen Thomas Group be your partner in protection, ensuring your North Carolina plumbing business stays afloat, no matter what leaks may spring.
Don’t let insurance worries clog up your success. Call us today and let’s get your business flowing in the right direction with the right insurance designed especially for you at a premium cost!
Get a quote now!
You can easily obtain a certificate of insurance with us.
To get the best contractor’s insurance coverage, contact The Allen Thomas Group at (440) 826-3676.
Popular North Carolina Cities We Serve Plumbers In
Aberdeen
Albemarle
Angier
Apex
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Archer Lodge
Asheboro
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Ayden
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Black Mountain
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Lake Norman of Catawba
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