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Texas Plumbers Insurance Insurance for Texas Plumbing Contractors
Texas Plumbers Insurance
Insurance Built for Texas Plumbing Contractors
Running a plumbing business comes with risks most businesses never have to think about. Water damage, jobsite accidents, expensive tools, commercial vehicles, employee injuries and completed work can all create costly claims.
TexasPlumbersInsurance.com, powered by Bergen Insurance Agency, specializes in insurance for Texas plumbers, Responsible Master Plumbers (RMPs) and plumbing contractors.
As an independent insurance agency, we can shop multiple insurance companies to help find the right combination of coverage and price for your plumbing business.
Whether you're a one-truck plumbing operation or manage a growing fleet with multiple employees, we'll help build an insurance program around the way your business actually operates.
Get a Texas Plumber Insurance Quote
Insurance Coverage for Texas Plumbing Contractors
Plumbing contractors have insurance exposures that are very different from those of an ordinary small business. That's why working with an insurance agency that understands the plumbing industry matters.
We help Texas plumbers with:
General Liability Insurance for Plumbers
A plumbing mistake can quickly become an expensive property damage claim.
General liability insurance can help protect your plumbing business against covered claims involving bodily injury, property damage and completed operations.
For plumbers, completed operations coverage is especially important because water damage may not be discovered until after you've finished the job.
Learn About Plumber General Liability Insurance →
Commercial Auto Insurance for Plumbers
Your plumbing trucks and vans are part of your business.
Commercial auto insurance can provide coverage for vehicles used to travel to jobsites, transport plumbing equipment and materials, and conduct your everyday business operations.
Whether you operate one service truck or an entire plumbing fleet, we'll help you explore commercial auto coverage designed for your business.
Learn About Commercial Auto Insurance for Plumbers →
Workers' Compensation for Texas Plumbers
Plumbing can be physically demanding work.
Employees may face injuries involving lifting, ladders, power tools, construction sites, machinery and other jobsite hazards.
Workers' compensation insurance can help provide benefits for covered employee injuries and illnesses arising from their work.
We help Texas plumbing contractors evaluate workers' compensation options based on their employees, payroll, subcontractors and business operations.
Learn About Workers' Compensation for Plumbers →
Tools & Equipment Insurance
What would it cost to replace your equipment tomorrow?
Plumbers can have thousands of dollars invested in drain cameras, sewer machines, jetters, pipe threaders, locating equipment, power tools and other specialized equipment.
Tools and equipment coverage, often written as contractors equipment or inland marine insurance, can help protect eligible equipment against covered losses such as theft or damage.
Learn About Tools & Equipment Insurance →
Texas Responsible Master Plumber (RMP) Insurance
If you're becoming or operating as a Responsible Master Plumber in Texas, insurance isn't just about protecting your business—it is also part of maintaining your RMP designation.
The Texas State Board of Plumbing Examiners requires an RMP to maintain the required commercial general liability insurance and provide evidence of coverage to the Board.
Bergen Insurance Agency understands the insurance needs of Texas Responsible Master Plumbers and plumbing companies.
We can help with:
- Commercial general liability insurance
- RMP insurance requirements
- TSBPE Certificate of Insurance assistance
- Additional insured certificates
- Commercial auto insurance
- Workers' compensation
- Tools and equipment coverage
- Commercial umbrella coverage
Need insurance for your Texas RMP designation?
Get an RMP Insurance Quote →
How Much General Liability Insurance Does a Texas Master Plumber Need?
Texas requires a Responsible Master Plumber to maintain at least $300,000 in commercial general liability insurance as part of the RMP requirements.
But the state-required minimum isn't necessarily the amount of insurance your plumbing business should carry.
General contractors, commercial customers, property managers and other businesses may require higher liability limits before allowing you to perform work.
Many plumbing contractors therefore carry higher limits based on their contracts, customers and overall business exposure.
We can help you determine what limits make sense for both your RMP requirements and your plumbing business.
More Than Just the Minimum Insurance Requirement
Meeting the Texas RMP insurance requirement is only one part of protecting a plumbing company.
Consider what could happen if:
A fitting fails after you've completed a job.
Water damages walls, flooring and personal property.
One of your service trucks causes an accident.
Your plumbing company is sued for injuries and property damage.
A drain camera or sewer machine is stolen.
You suddenly have thousands of dollars of equipment to replace.
An employee gets hurt on a jobsite.
Medical bills and lost wages can become significant.
A commercial customer requires a $2 million liability limit.
Your basic policy may not satisfy the contract.
These are the situations where having an insurance agent who understands plumbing contractors can make a difference.
Why Texas Plumbers Choose Bergen Insurance Agency
We Understand Plumbing Contractor Insurance
You shouldn't have to explain your plumbing business to your insurance agent.
We understand common insurance needs involving service plumbers, Responsible Master Plumbers, commercial plumbing contractors, residential plumbers, new construction and plumbing companies with multiple vehicles and employees.
Independent Insurance Agency
We're not tied to one insurance company.
We can compare coverage and pricing from multiple insurance carriers to help find an insurance program appropriate for your business.
Fast Certificates of Insurance
Plumbers shouldn't have to wait days for a certificate.
When a general contractor, property manager or customer needs evidence of insurance, responsive certificate service matters.
We understand your time is valuable.
Coverage That Can Grow With Your Business
Your insurance needs can change as you add employees, trucks, equipment, larger projects or commercial customers.
We'll help make sure your insurance program keeps up with your plumbing business.
Service After the Sale
Buying the policy is only the beginning.
We're here when you need certificates, policy changes, additional vehicles, coverage questions or help understanding an insurance requirement.
Insurance for Plumbing Companies Throughout Texas
Bergen Insurance Agency helps plumbing contractors throughout Texas find insurance for their businesses.
Whether you're an independent Master Plumber starting a company or an established plumbing contractor with employees, service trucks and commercial accounts, we'll help you evaluate the coverage your operation needs.
Our goal is simple:
Help Texas plumbers get the right insurance coverage without making insurance complicated.
Frequently Asked Questions About Texas Plumber Insurance
What insurance does a plumbing company need in Texas?
Coverage depends on the business, but plumbing contractors commonly consider general liability, commercial auto, workers' compensation, tools and equipment coverage and commercial umbrella insurance.
Responsible Master Plumbers also have specific liability insurance requirements established by the Texas State Board of Plumbing Examiners.
Does a Texas Responsible Master Plumber need general liability insurance?
Yes. Texas requires Responsible Master Plumbers to maintain commercial general liability insurance meeting the state's requirements and provide evidence of coverage to the Texas State Board of Plumbing Examiners.
Is $300,000 of liability insurance enough for a plumbing company?
Not necessarily.
The state minimum for an RMP and the amount of insurance appropriate for the plumbing business are two different questions. Customers and contracts may require higher limits, and a serious water-damage or bodily-injury claim can exceed relatively low liability limits.
Do Texas plumbers need workers' compensation?
Texas generally does not require every private employer to carry workers' compensation insurance, but certain contracts and customers may require it. Plumbing contractors should evaluate workers' compensation based on their employees, operations and contractual requirements.
Does my personal auto policy cover my plumbing truck?
A personal auto policy may not properly cover vehicles being used primarily for plumbing business operations. Plumbing contractors should discuss commercial auto insurance with an agent familiar with business-use vehicles.
Can you provide certificates of insurance for plumbing jobs?
Yes. Bergen Insurance Agency can assist insured plumbing contractors with certificates of insurance required by general contractors, property managers and customers, subject to the coverage provided by the policy.
Get a Texas Plumber Insurance Quote
Your plumbing business deserves more than a generic business insurance policy.
Work with an independent insurance agency that understands Texas plumbers, Responsible Master Plumbers and plumbing contractors.
Bergen Insurance Agency can help you compare insurance options for your plumbing business and provide the service you need after the policy is issued.
Get Your Texas Plumber Insurance Quote
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