NEXT is now ERGO NEXT Insurance, uniting digital-first innovation with Munich Re's global financial strength.

Plumber Insurance

You can save up to 25% in discounts on business insurance.*

Choose your primary coverage to get started:

Plumbing insurance designed to protect your business

ERGO NEXT Insurance is a one-stop shop to help you get the plumber insurance you need to protect your business from accidents, injuries, legal fees and damaged vehicles. Our insurance packages typically include:

  • General liability
  • Contractors’ E&O
  • Commercial auto
  • Workers’ compensation
  • Tools and equipment
  • Commercial property

We’ll help you get the business insurance coverage you need

It’s all about managing your risk. See the different policies available for affordable plumber insurance and save up to 10% when you bundle two or more of our policies.

General Liability

General Liability

Protection for the injuries, accidents and damage you cause

General liability insurance covers a wide range of accidents and basic risks. With plumber liability insurance, you’ll have financial protection if someone other than an employee gets hurt or you are held responsible for damaging property that doesn’t belong to you. General liability might be required for a plumbing license in your state, and it’s common for clients to ask for proof of coverage. General liability includes contractors’ E&O, or professional liability coverage, which can help cover costs in a business disagreement.

general liability can help you pay for:

Medical payments
Property damage
Legal fees and judgments
Contractors’ E&O

Contractors’ E&O

Coverage against business mistakes and claims of negligence

Errors and omissions insurance (also known as professional liability) helps you defend yourself if you’re accused of making a mistake that causes someone to lose money. For example, if you are accused of installing the wrong sink at a client’s property, your policy could help cover expenses to fix the problem.

professional liability can help you pay for:

Professional negligence (actual or alleged)
Legal defense costs
Legal judgments
Commercial Auto

Commercial Auto

For business owners who own or drive vehicles

Most states require commercial auto insurance for business-owned vehicles to help pay for medical expenses and property damage. Personal auto insurance usually won’t provide coverage for plumbing business activities, such as taking pipes and fixtures to a job site.

commercial auto can help you pay for:

Medical expenses
Collision repairs
Rental reimbursement
Workers' Compensation

Workers' Compensation

For business owners who hire employees

Workers’ compensation insurance can help you and your employees after a workplace accident. Most states require it as soon as you hire your first employee, and you might need coverage before you can get your plumber license. It can help pay for medical bills and lost wages after an accident.

workers compensation can help you pay for:

Medical expenses
Lost wages
Employer liability
Tools & Equipment

Tools & Equipment

Protection for your gear and equipment

Tools and equipment coverage makes sure your gear is protected wherever you keep it — in your vehicle, in a trailer or at a job site. If you don’t own or lease property and regularly take expensive plumbing gear to a job site, tools & equipment insurance offers protection against damage or theft. This coverage is available as an add-on to our general liability insurance.

inland marine can help you pay for:

Equipment owned by you
Employee tools and clothing
Borrowed equipment
Commercial Property

Commercial Property

For business owners who own or rent physical spaces

Commercial property insurance can help protect your plumbing equipment, inventory and your building if you own it. If you own real estate where you store equipment, commercial property insurance provides coverage for your equipment while it’s on the premises, as well as for the building itself.

commercial property can help you pay for:

Damaged equipment and inventory
Lost income
Operating expenses

What customers say about us

NEXT is the BEST

In need to commercial insurance, NEXT is your one stop shop!

gilbert f.

Chris Reinitz Construction

Best insurance should be your next insurance for your small business

Chris R.

Awesome

The best insurance company I've delt with by far.

Jared B.

Great service

Very easy to use site

Theodore S.

Quick service.

They were just there for me instantaneously.

MattHew H.

New to NEXT Insurance

I am a new business owner whom just started, I am excited to work with Next, so far their website is so easy to move around and easy to understand.

Ofelia U.

Pleased

I heard about NEXT via a instagram post and it piqued my interest. I was pleasantly surprised at ease of website and the value Would highly recommend

Jesus C.

Next is the BEST

Best customer service ever! Everyone was quick to respond with everything I needed

christopher h.

consolidating insurance

My sales provider help me thru the process. It was so easy.

kelly J.

General Liability

Super simple process

Jordan S.

You can save up to 25% in discounts on plumber insurance

You can pay for your insurance monthly or annually and you can cancel instantly at any time.

Basic
Lowest Price
Commercial Auto
Combined single limit
$85,000
General Liability
Per occurrence
$300,000
Tools & Equipment
Per occurrence
$3,000
Workers’ Comp
Per accident
$100,000
Commercial Property
Per occurrence
$25,000
Pro
Most Popular
Commercial Auto
Combined single limit
$100,000
General Liability
Per occurrence
$1 million
Tools & Equipment
Per occurrence
$5,000
Workers’ Comp
Per accident
$500,000
Commercial Property
Per occurrence
$25,000
Pro Plus
Best Coverage
Commercial Auto
Combined single limit
$1 million
General Liability
Per occurrence
$1 million
Tools & Equipment
Per occurrence
$10,000
Workers’ Comp
Per accident
$1 million
Commercial Property
Per occurrence
$25,000
How much does plumber insurance cost

How much does plumber insurance cost?

Plumber insurance costs vary based on the risks that your business faces, such as:

  • The types of projects you work on
  • Where your projects are located
  • The types of vehicles you use at work
Plumber insurance requirements

Plumber insurance requirements

Plumbers are often required to have insurance due to the risk of injury and property damage while working on residential and commercial projects. You might need insurance to:

  • Get a plumber license in your state.
  • Start work on a project. Clients might ask you to have active insurance — usually general liability or workers’ compensation — before you can work at their property.
  • Drive for business purposes. Business-owned vehicles typically need commercial auto insurance and personal auto policies might not cover business driving.
  • Hire employees or subcontractors. Most states require workers’ compensation.
  • Repair or replace property you own or rent. Protect your inventory, equipment and even the building that you lease or own.