One failed fitting can flood a house. Plumbers face some of the most expensive property damage claims of any trade, so the right general liability limits and completed operations coverage matter. We insure residential and commercial plumbers throughout Los Angeles County and the Inland Empire.
Start a residential & commercial plumbing quote or call 888-391-5981.
Common risks
- Water damage from a leak after you finish a job
- Injury to a customer or bystander at the work site
- Employee injuries from lifting, cutting or confined spaces
- Accidents in your work truck
- Stolen tools and equipment
Coverage most residential businesses need
| Coverage | Why it matters |
|---|---|
| General liability | Third-party property damage and injuries, including completed operations for leaks that show up later. |
| Workers compensation | Required once you have employees. |
| Commercial auto | Service trucks and vans. |
| Tools & equipment | Pipe machines, cameras and tools on the truck. |
| Contractor bond | The $25,000 CSLB contractor bond. |
California requirements
Plumbers (C-36) with employees must carry workers compensation. Starting January 1, 2028, California extends that requirement to all licensed contractors.
Why business owners work with Pierce
- We’re an independent agency, so we compare multiple carriers instead of selling just one.
- A licensed agent handles your account from quote to renewal.
- Certificates of insurance, additional insureds and policy changes are handled fast. Request a COI.
- Local offices in San Dimas and Monrovia.
Related: Contractors · Trucking · HVAC · Electricians · Landscapers & tree service
See also: 2028 workers comp rule for contractors
Frequently asked questions
Is water damage covered by general liability?
Usually, when it’s accidental damage to someone else’s property caused by your work. Policies vary, so we review exclusions with you before you buy.
What limits do plumbers usually carry?
Many plumbers carry $1 million per occurrence and $2 million aggregate. Commercial jobs often require more, which an umbrella policy can add.