As a plumber in Arizona, having proper insurance coverage is crucial for protecting your business, meeting state requirements, and securing contracts. This comprehensive guide breaks down the essential insurance coverages Arizona plumbers need, including costs based on our analysis of actual quotes from leading carriers.

Find out how plumbing business insurance can protect your company.

General Liability Insurance for Arizona Plumbers

General liability insurance protects plumbing businesses from third-party claims of property damage and bodily injury. Based on our analysis of over 900 plumber quotes in Arizona, here are the typical costs:

Average Annual Premiums by Revenue Size

Revenue SizeAverage Premium% of RevenueFavorable RatePotential Savings
$150K$7,4004.9%$3,20057%
$500K$20,2004.0%$16,30019%
$1M$43,0004.3%$28,00035%

These premiums assume:

  • Clean claims history (5+ years without incidents)
  • Standard $1M/$2M coverage limits
  • Mix of residential and commercial work
  • Approximately 10% subcontractor costs

Worker’s Compensation Insurance for Arizona Plumbers

Worker’s compensation insurance is mandatory for Arizona plumbers with employees. Based on our analysis:

Cost Overview

  • Average cost per plumber employee: $6,060 annually
  • Cost per $100K of payroll: $2,600

Key factors affecting premiums:

  • Plumber classification code (5183)
  • Annual payroll
  • Claims history
  • Safety programs
  • Experience modifier rating (EMR)

Additional Business Insurance for Plumbers in Arizona

1. Tools & Equipment Coverage (Inland Marine)

  • Annual premiums: $200-$2,000
  • Coverage limits: $5,000-$15,000+
  • Protects plumbing tools during transit and at job sites

2. Commercial Auto Insurance

  • Cost: $1,500-$3,050 per vehicle annually
  • Standard limits: $100K per person/$300K per accident
  • Required for business-owned vehicles

3. Plumber Bonds

  • Bond amounts: $5,000-$25,000
  • Premium: 1-3% of bond amount
  • Rates vary by credit score:
  • Excellent credit: $100-$500
  • Good credit: $150-$1,000
  • Poor credit: $200-$2,500

4. Commercial Property Insurance

  • Protects buildings and contents
  • Annual premiums: $1,000-$5,000
  • Coverage based on property value and location

5. Contractor’s E&O Insurance

  • Annual premiums: $50-$500
  • Policy limits: $10,000-$1M+
  • Covers professional negligence claims

Get Arizona Plumber Liability with ContractorNerd

ContractorNerd specializes in making plumber insurance simple and data-driven. Our expertise includes:

  • Instant online quotes from top-rated carriers
  • Side-by-side coverage comparisons
  • Plumber-specific expertise and guidance
  • Streamlined application process
  • Ongoing policy management support
  • Claims advocacy when needed

Our team of plumbing insurance specialists can help you:

  • Optimize coverage levels based on your specific risks
  • Find competitive rates through our carrier network
  • Bundle policies for additional savings
  • Ensure compliance with Arizona regulations

To get started with tailored quotes for your Arizona plumbing business, visit our online quote tool or speak with one of our plumber insurance specialists today.