Plumber Insurance Cost
Pick a coverage to see the published figure, type a quote to compare, and tick coverages to add up a yearly budget.
How to use the plumber insurance cost tool
- Open the tool at the top of this page. Your inputs stay in your browser, and nothing is uploaded.
- Choose a coverage row from the published table: general liability, business owner’s policy (BOP), workers’ compensation, tools and equipment, commercial auto, professional liability, commercial umbrella, or surety bond.
- Read the published figure for that row, shown per month and per year.
- Check the limits and deductible shown with the figure, where the source states them. For example, general liability lists $1M per occurrence / $2M aggregate and a $500 deductible.
- If you have a quote, type its amount into the quote field and choose “per month” or “per year” to match how the quote is written.
- Read the comparison. It shows how far the quote is above or below the published figure.
- Open “More options” to enter annual revenue, number of employees, and which coverages to add to the budget.
- Read the share of revenue and the amount per employee, which appear once you have typed those inputs.
- Remember that the figures for separate coverages are not a price for a bundle.
The budget in “More options” starts with general liability and workers’ compensation ticked. When you tick more than one coverage, the tool adds the published medians and warns that a sum of separate medians is a rough budget. If your quote is far from the published figure, the tool suggests checking the period and the limits.
How much does plumber insurance cost according to the published figures?
The tool shows published medians from Insureon’s plumbing business insurance cost page, updated 5 August 2026. The lowest published monthly figure is $8 for the surety bond, and the highest is $285 for commercial auto.
Each row also has a per-year figure, such as $1,768 per year for general liability. The source describes its figures as medians in the introduction and as averages in places, so this page uses the term published medians for all of them.
What do the published plumber insurance cost figures include?
Limits and deductibles appear only where the source states them. General liability is listed at $1M per occurrence and $2M aggregate, with a $500 deductible. Professional liability is listed at $1M per occurrence and $1M aggregate, with a $1,000 deductible.
The source gives no limits for the other rows, so the tool shows none for them. Limits in a real policy are a separate choice, and the tool does not suggest any.
Why does a quote for plumber insurance cost differ from the published figure?
Insureon lists several factors that affect cost. These include services offered, number of employees and subcontractors, annual revenue and payroll, equipment value, years of experience, location, coverage limits and deductibles, and claims history. The source names repiping, water heater installation, and sewer or septic lines as services that cost more.
The tool does not weigh these factors for you. It compares your quote with the published figure and shows the difference, so a quote higher than the figure will show as above it.
Why is a business owner’s policy figure not the total of its parts?
Insureon’s plumbing cost page states that a BOP bundles general liability and commercial property coverage at a discount. It gives no separate figure for that discount.
Adding the published medians for separate coverages does not give the price of a bundle, and the source says so. Compare a BOP quote with its own published figure, not with a sum of separate rows. The source also publishes one bundle figure of its own: general liability combined with professional liability at an average of $150 a month.
How are share of revenue and amount per employee calculated?
Share of revenue is the yearly total of the coverages ticked for the budget, taken from the published medians, divided by your annual revenue and shown as a percentage. Amount per employee is that same yearly total divided by your number of employees.
The tool does these calculations from the numbers you type and the published medians, and the results are only as accurate as those numbers.
Sources (checked 15 October 2026): insureon.com
Worked examples
| Input | Result |
|---|---|
| General liability | 2 coverage(s) added up from the published medians: $326 a month, $3,918 a year |
| General liability, quote $185 per month | Your quote of $185 a month ($2,220 a year) is 25.6% above the published median of $147 a month. |
| Business owner's policy (BOP), revenue $120,000 | 2 coverage(s) added up from the published medians: $326 a month, $3,918 a year |
| General liability, revenue $150,000 | 2 coverage(s) added up from the published medians: $360 a month, $4,327 a year |
Calculated by the tool above; open it with the same values to see each step.
Frequently asked questions
What does the plumber insurance cost tool show?
It shows the published figures for plumbing business insurance from Insureon, per month and per year. It also compares them with a quote you type in and shows how far the quote is above or below the figure.
Does the tool give me a quote?
No. It does not offer quotes, recommend insurers, or send you to anyone. A quote comes from a licensed insurer or agent.
Is the result my final price?
No. The result is an estimate only, based on published medians and the numbers you type. Your actual cost depends on your own business and the insurer’s quote.
Which plumbing services does the source say cost more?
Insureon names repiping, water heater installation, and sewer or septic lines as services that cost more. It also lists employees, subcontractors, revenue, payroll, equipment value, location, limits, deductibles, and claims history as factors.
Is my information sent anywhere?
Everything is calculated in your browser, and nothing is uploaded. The page does not ask for contact details.
Can I compare a business owner’s policy with separate coverages?
You can compare a BOP quote with the BOP row’s published figure. Do not add up separate rows and treat the total as a bundle price, because the source says a sum of separate medians is not the price of a bundle.
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