As a plumber in Pennsylvania, having proper insurance coverage is crucial for protecting your business, meeting state requirements, and securing contracts. This comprehensive guide breaks down essential insurance coverages Pennsylvania plumbers need, including costs based on our analysis of actual quotes from leading carriers.
Find out about essential plumber business coverage options.
General Liability Insurance for Pennsylvania Plumbers
Based on analysis of over 900 quotes from leading carriers, here are typical costs for Pennsylvania plumbers:
| Revenue | Average Premium | % of Revenue | Favorable Rate | Potential Savings |
|---|---|---|---|---|
| $150K | $10,080 | 6.7% | $7,010 | 30.5% |
| $500K | $28,100 | 5.6% | $13,400 | 52.3% |
| $1M | $57,940 | 5.8% | $30,750 | 46.9% |
Premium assumptions:
- Clean claims history (5+ years)
- Standard $1M/$2M limits
- Mixed residential/commercial work
- ~10% subcontractor costs
Worker’s Compensation Insurance for Pennsylvania Plumbers
Pennsylvania requires workers’ compensation for plumbing businesses with employees. Based on Code 5183 (Plumbing):
| Metric | Cost |
|---|---|
| Premium per Employee | $4,610 |
| Premium per $100K Payroll | $2,000 |
Key factors affecting premiums:
- Job classification codes
- Annual payroll
- Claims history
- Safety programs
- Experience modifier rating
Additional Business Insurance for Plumbers in Pennsylvania
1. Commercial Auto Insurance
- $1,500-$3,050 per vehicle annually
- Standard limits: $100K/$300K/$100K
- Higher limits recommended ($500K-$1M)
2. Tools & Equipment Coverage
- $200-$2,000 annually
- Coverage limits: $5,000-$15,000+
- Per-item limits typically $5,000
3. Plumber Bonds
- Bond amounts: $5,000-$25,000
- Premium: 1-3% of bond amount
- Rates vary by credit score
4. Commercial Property Insurance
- $1,000-$5,000 annually
- Protects buildings, tools, equipment
- Coverage based on property value
5. Contractor’s E&O Insurance
- $50-$500 annually
- Covers faulty workmanship claims
- Limits: $10,000-$1M+
Get Pennsylvania Plumber Liability with ContractorNerd
ContractorNerd specializes in data-driven insurance solutions for Pennsylvania plumbers:
- Instant online quotes from top carriers
- Side-by-side coverage comparisons
- Plumbing-specific expertise
- Streamlined application process
- Ongoing policy management
- Claims advocacy support
Our specialists help:
- Optimize coverage for your risks
- Find competitive rates
- Bundle policies for savings
- Ensure state compliance
Contact ContractorNerd today for tailored quotes and expert guidance on your plumbing business insurance needs.