Why You Need an Insured Plumber

Plumbing emergencies are stressful enough without inviting extra risk into the situation. To minimize negative consequences if anything goes wrong, you should always verify that any plumber you hire is properly insured to do the work.

An insured plumber carries policies that protect both their business and your home. If something goes wrong — like water damage or an injury — you’re not left footing the bill. Instead, the right plumbing insurance covers repairs, legal costs, and even medical bills. It's one of the most important protections you can ask for when hiring a contractor.

What Is Plumbing Insurance and What Does It Cover?

Plumber insurance is coverage that protects plumbing professionals and their clients. It’s often a combination of insurance products tailored to the trade.

Typical plumbing insurance cover includes:

• General liability insurance: Covers property damage or bodily injury caused by the plumber’s work.
• Commercial property insurance: Protects tools, vehicles, and office space (if applicable).
• Workers’ compensation insurance: Pays for employee injuries or lost wages if they get hurt on the job.
• Professional liability insurance: Covers claims related to negligence, errors, or delays.

If a plumber is insured, it means they carry one or more of these policies to protect their business and your property. A proper plumbing insurance policy helps reduce the risk of financial loss for both parties.

Understanding Plumber Liability Insurance and Why it Matters

One of the most important types of plumbing business insurance is general liability insurance. This coverage helps if a mistake during the job causes serious problems. For example:

• A pipe bursts after installation, flooding your kitchen
• The plumber accidentally damages your floors or drywall
• Someone slips on a wet floor and gets injured

In each of these cases, plumber liability insurance helps cover the cost of repairs, replacements, or legal defense. Without it, you may have to pay for the damages yourself or fight the contractor for compensation.

Is a Plumber Liable for Water Damage?

Yes, if the plumber is responsible for the mistake, they're liable for any resulting water damage. When you hire a professional plumber, there's a low chance that something will go wrong. But human error happens — even to experienced professionals.

Whether it’s an incorrect fitting or failure to test for leaks, a plumbing mistake can lead to major damage. With the right coverage, insurance for plumbers helps pay for damage repairs and restoration services. Without it, you could end up paying out of pocket.

What Happens If You Hire an Uninsured Plumber?

Hiring an uninsured plumber might save you a few dollars upfront, but it’s a huge risk in the long term. If something goes wrong, the financial and legal consequences can fall squarely on you:

• Property damage isn’t covered: You pay for drywall repairs, mold removal, or floor replacements yourself.
• Injury claims are your responsibility: An injured worker could sue you for medical costs or lost income.
• No accountability: Without formal insurance or licensing, it’s harder to hold a plumber responsible.

Even a small mistake can cost thousands in repairs. And if you’re relying on your homeowners insurance, be warned — some policies may not cover damage caused by unlicensed or uninsured contractors.

For more help making smart hiring choices, check out our guide on what to consider when choosing a plumber.

How to Check If Your Plumber Is Properly Insured

Not sure how to confirm your plumber’s insurance status? It’s easier than you think. Use these tips:

• Ask to see proof of insurance before hiring a plumber: This document lists the plumber’s coverage types and expiration dates. A professional plumber should have no problem showing documentation.
• Check licensing requirements: Many states have licensing and insurance requirements for plumbers. Make sure a plumber meets these minimum requirements.
• Call the insurance provider: If something seems off or the proof of insurance isn't very detailed, verify the policy directly with the insurer listed on the certificate.
• Look for red flags: If the plumber hesitates to show proof or dodges the question, it’s a bad sign.

Is There a Difference Between a Licensed and Insured Plumber?

Yes. Ideally, your plumber should be both.

• A licensed plumber has passed state-required exams and meets professional training standards. They’re legally approved to perform plumbing work.
• An insured plumber carries financial protection in case something goes wrong. This includes plumbing business insurance that protects their operation and liability coverage that protects you.

One confirms skill and legality. The other provides peace of mind. Together, licensing and insurance signal a plumber’s professionalism and respect for your property.

How to Protect Your Property with a Licensed and Insured Plumber

It’s critical to hire a licensed and insured plumber every time. The right plumbing insurance protects your home. If mistakes happen, you’re not left with the bill. It also shows that the plumber is running a legitimate business.

At Roto-Rooter, every technician is fully licensed, bonded, and insured. We carry comprehensive plumbing insurance policies that meet industry standards, so you can relax, knowing your home is in good hands.

Looking for reliable service? Contact your local Roto-Rooter today and experience the confidence that comes with hiring an insured plumber.