Plumbing insurance,
in plain English
Water finds everything — including your liability. Cover leaks, floods, and the callback that comes three weeks later.
Two minutes, and a licensed agent follows up once we can place coverage in your state.
How we get you covered
The things that actually go wrong on plumbing jobs, and the coverage that answers for each one.
Covered vs. not covered — before you pay
Covered
- Water damage traced to your work
- Damage caused while accessing pipes
- Failures surfacing after completion
Not covered — read this first
- Known code violations
- Your own tools and machines (tools & equipment)
- Employee injuries (workers' comp)
The coverages plumbers usually stack
What drives your price
We don't publish a "from $X a month" number, because for plumbers it would be close to meaningless — the same work prices very differently depending on classification, payroll, claims history, and state. Get a real quote instead; it takes about two minutes and no one calls you.
State rules for plumbers
Licensing and minimum limits differ by state. Pick yours:
FloridaWhy plumbers switch to Flannable
Others reveal the fine print at checkout — or add it after you buy. Ours is on this page, above.
If your renewal jumps, we re-shop it across carriers automatically and show you the math — we're an independent agency, not a captive one.
Self-serve certificates, and renewal certs re-sent to every holder before they expire — so an expired COI never costs you a job. That's what we're building first.
Frequently asked questions
Do plumbers need insurance in Florida?
Florida licensed plumbing contractors must show general liability (commonly $100K/$300K minimums at the county level) plus workers' comp or a valid exemption.
Does it cover a leak that shows up weeks later?
Yes — that's completed-operations coverage, included in a proper general liability policy. It's the single most important line on a plumber's policy.
What's the biggest pricing factor?
Claims history, then payroll, then whether you touch gas lines.