Texas Responsible Master Plumber Insurance
RMP Insurance for Texas Master Plumbers
If you're a Responsible Master Plumber (RMP) in Texas, having the proper insurance is an important part of maintaining your designation and protecting your plumbing business.
TexasPlumbersInsurance.com, powered by Bergen Insurance Agency, specializes in insurance for Texas Master Plumbers, RMPs and plumbing contractors.
We understand the insurance needs of plumbing businesses—from meeting Texas RMP insurance requirements to protecting your trucks, employees, tools and completed plumbing work.
Need RMP insurance? Get a Texas plumber insurance quote today.
Texas RMP Insurance Requirements
The Texas State Board of Plumbing Examiners (TSBPE) requires a Responsible Master Plumber to maintain commercial general liability insurance.
Texas requires at least $300,000 in commercial general liability coverage for the applicable claims.
The RMP must also provide the required proof of insurance to the Texas State Board of Plumbing Examiners.
While $300,000 may satisfy the state's minimum insurance requirement, it may not be enough to properly protect a plumbing company.
General contractors, commercial customers, property managers and other organizations may require substantially higher liability limits before allowing a plumbing contractor to perform work.
We can help you satisfy your RMP insurance requirement while also evaluating the coverage your plumbing business actually needs.
General Liability Insurance for Texas Master Plumbers
General liability is one of the most important coverages for a plumbing contractor.
A plumbing claim can become expensive quickly.
Imagine completing a plumbing job and discovering later that a fitting failed. Water damages flooring, cabinets, drywall and other property.
Depending on the circumstances and policy terms, general liability insurance may help protect your plumbing company against covered claims involving:
- Third-party bodily injury
- Property damage
- Completed plumbing work
- Products and completed operations
- Legal defense costs
- Certain contractual liability exposures
For plumbing contractors, products and completed operations coverage is particularly important because a claim may occur after the plumber has finished the job.
Is the $300,000 Texas RMP Minimum Enough?
Meeting the state requirement and properly protecting your plumbing company are not necessarily the same thing.
Many plumbing contractors carry limits higher than the Texas RMP minimum.
A general contractor or commercial customer may require limits such as:
$1 million per occurrence
$2 million general aggregate
$2 million products-completed operations aggregate
Contract requirements vary, so your policy should be reviewed against the actual insurance requirements of the jobs you're performing.
Larger plumbing companies may also need a commercial umbrella or excess liability policy to obtain higher liability limits.
Bergen Insurance Agency can help review your requirements and determine what insurance limits are appropriate for your business.
RMP Certificates of Insurance
Insurance doesn't do you much good if getting a certificate becomes a headache every time you need one.
We understand that Texas plumbers frequently need Certificates of Insurance for:
- General contractors
- Builders
- Property managers
- Commercial customers
- Municipalities
- Jobsite requirements
- Contract requirements
Depending on the contract and policy, you may also be asked for insurance provisions such as:
Additional Insured
Waiver of Subrogation
Primary and Noncontributory wording
We'll help you understand what is being requested and whether your policy provides the required coverage or endorsements.
Fast certificate service matters because your time matters.
Your RMP general liability policy is only one part of protecting a plumbing company.
Bergen Insurance Agency can help Texas plumbers evaluate a complete insurance program.
Service trucks, vans and other vehicles used in your plumbing business generally need appropriate commercial auto coverage.
We can help insure individual plumbing vehicles as well as businesses operating multiple service trucks.
Plumbing employees face risks involving lifting, ladders, tools, machinery, construction sites and other jobsite hazards.
Workers' compensation can provide important protection for employees who suffer covered work-related injuries or illnesses.
Drain cameras, sewer machines, jetters, pipe threaders, locating equipment and power tools can represent a substantial investment.
Tools and equipment or inland marine coverage can help protect eligible equipment against covered losses.
Commercial Umbrella Insurance
Larger jobs and commercial contracts may require liability limits beyond those provided by your underlying policies.
Commercial umbrella or excess liability coverage can provide additional limits above eligible underlying policies.
Insurance for New Texas Responsible Master Plumbers
Are you becoming an RMP or starting your own plumbing company?
We can help you understand the insurance side of getting your plumbing business started.
Instead of purchasing the cheapest policy simply to meet a minimum requirement, we'll help you consider how the business will actually operate.
We'll discuss things such as:
- Residential versus commercial plumbing
- Service and repair work
- New construction
- Employees and payroll
- Subcontractors
- Plumbing trucks and vans
- Tools and equipment
- Expected annual revenue
- Larger commercial projects
- General contractor insurance requirements
That allows us to look for insurance designed around your actual plumbing operation.
Why Texas Master Plumbers Choose Bergen Insurance Agency
We Specialize in Plumbing Contractor Insurance
Plumbing insurance isn't just another business policy to us.
We work with Texas plumbing contractors and understand many of the insurance requirements and coverage issues plumbers encounter.
Independent Insurance Agency
Bergen Insurance Agency is independent.
Instead of representing only one insurance company, we can explore coverage options from multiple insurance carriers to help find the right fit for your plumbing business.
Fast Certificate Service
Waiting days for a Certificate of Insurance can delay a job.
We understand that plumbers and contractors need responsive service when certificates and policy changes are required.
Service After the Sale
Our job doesn't end when you purchase the policy.
We're here when you need certificates, vehicle changes, coverage reviews, policy changes or help understanding an insurance requirement from a customer or general contractor.
Texas RMP Insurance FAQ
What does RMP mean in Texas?
RMP stands for Responsible Master Plumber. An RMP is a Master Plumber who holds the Responsible Master Plumber designation through the Texas State Board of Plumbing Examiners.
Does a Texas RMP need liability insurance?
Yes. Texas requires Responsible Master Plumbers to maintain commercial general liability insurance meeting the state's requirements and provide the required proof of insurance.
How much liability insurance does a Texas RMP need?
The Texas minimum is $300,000 in commercial general liability coverage for the applicable claims. However, your customers, contracts and overall business exposure may justify or require higher limits.
Can Bergen Insurance Agency provide my RMP insurance?
Yes. Bergen Insurance Agency specializes in insurance for Texas plumbing contractors and can help with general liability coverage for Responsible Master Plumbers as well as other insurance needed by a plumbing business.
Can you help with my Certificate of Insurance?
Yes. We provide certificate service for our insured plumbing contractors and can help with certificates requested by general contractors, customers and other organizations, subject to the coverage and endorsements provided by your policy.
What other insurance should a plumbing company consider?
Depending on your operations, you may need general liability, commercial auto, workers' compensation, tools and equipment coverage, property insurance and commercial umbrella coverage.
Whether you're obtaining your Responsible Master Plumber designation, starting a plumbing company or looking for a better insurance agency for an established plumbing business, we're ready to help.
Don't settle for an insurance agent who doesn't understand plumbing contractors.
Work with an independent agency that specializes in Texas plumber insurance.
Get Your Texas RMP Insurance Quote
TexasPlumbersInsurance.com
Powered by Bergen Insurance Agency
Insurance coverage is subject to policy terms, conditions, exclusions, underwriting and carrier approval.
