As a plumber in Idaho, having proper insurance coverage is essential for protecting your business, meeting state requirements, and securing contracts. This comprehensive guide breaks down the key insurance coverages Idaho plumbers need, including costs based on our analysis of actual quotes from leading carriers. Whether you’re a solo plumber or manage a larger plumbing company, understanding your insurance options and costs will help you make informed decisions for your business.

Discover why plumber insurance plans are crucial for your business.

General Liability Insurance for Idaho Plumbers

Based on our analysis of over 900 plumber quotes from leading carriers, here are the typical costs for Idaho plumbers:

Revenue SizeAverage Premium% of RevenueFavorable RatePotential Savings
$150K$5,9003.9%$4,30027%
$500K$24,2004.8%$13,90043%
$1M$29,6003.0%$21,00029%

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 Idaho Plumbers

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

Typical costs for Idaho plumbers:

  • Per employee: $9,120 annually
  • Per $100K payroll: $3,900

Key factors affecting premiums:

  • Job classification (Code 5183 for plumbers)
  • Total annual payroll
  • Claims history
  • Safety programs and protocols
  • Experience modifier rating (EMR)

Additional Business Insurance for Plumbers in Idaho

  1. Commercial Auto Insurance
  • Annual cost: $1,500-$3,050 per vehicle
  • Standard limits: $100K per person/$300K per accident
  • Comprehensive and collision coverage available
  1. Tools & Equipment Coverage
  • Annual premiums: $200-$2,000
  • Policy limits: $5,000-$15,000+
  • Coverage for both owned and rented equipment
  1. Plumber’s Bond
  • Required for licensing
  • Typical amounts: $5,000-$25,000
  • Premium: 1-3% of bond amount based on credit
  1. Commercial Property Insurance
  • Protects warehouses and offices
  • Annual cost: $1,000-$5,000
  • Coverage for fire, theft, and weather damage
  1. Professional Liability (E&O)
  • Annual cost: $50-$500
  • Covers faulty workmanship claims
  • Limits from $10,000-$1M+

Get Idaho Plumber Liability with ContractorNerd

ContractorNerd makes getting plumber insurance simple and data-driven. Our platform offers:

  • Instant online quotes from leading carriers
  • Side-by-side coverage comparisons
  • Plumbing industry expertise
  • Streamlined application process
  • Ongoing policy management
  • Claims advocacy when needed

Our team of plumbing insurance specialists helps you:

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

Contact ContractorNerd today for tailored quotes for your Idaho plumbing business.