As a plumber in Texas, having proper insurance coverage is crucial for protecting your business, meeting state requirements, and securing contracts. This comprehensive guide breaks down essential insurance coverages Texas plumbers need, including costs based on our analysis of actual quotes from leading carriers.
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General Liability Insurance for Texas Plumbers
Based on analysis of over 900 quotes, here are typical general liability costs for Texas plumbers:
| Revenue Size | Average Premium | % of Revenue | Favorable Rate | Potential Savings |
|---|---|---|---|---|
| $150K | $7,710 | 5.1% | $4,820 | 37.5% |
| $500K | $21,460 | 4.3% | $18,120 | 15.6% |
| $1M | $47,550 | 4.8% | $36,240 | 23.8% |
Premiums assume:
- Clean claims history (5+ years)
- Standard $1M/$2M coverage limits
- Mixed residential/commercial work
- ~10% subcontractor costs
Worker’s Compensation Insurance for Texas Plumbers
While not mandatory in Texas, workers’ compensation provides crucial protection. Based on our data:
- Average cost per employee: $3,820 annually
- Cost per $100K payroll: $1,600
- Class code 5183 (Plumbing) base rate: $1.75-$4.50 per $100 payroll
Key factors affecting premiums:
- Job classification
- Annual payroll
- Claims history
- Safety programs
Additional Business Insurance for Plumbers in Texas
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
- Policy limits: $5,000-$15,000+
- Per-item limits typically $5,000
3. Contractors’ E&O Insurance
- $50-$500 annually
- Coverage: $10,000-$1M+
- Protects against workmanship claims
4. Commercial Property Insurance
- $1,000-$5,000 annually
- Covers buildings, tools, equipment
- Based on property value and location
5. Business Owner’s Policy (BOP)
- Bundles liability and property coverage
- Lower premiums than separate policies
- Additional coverage options available
Get Texas Plumber Liability with ContractorNerd
ContractorNerd specializes in Texas plumber insurance with:
- Online quotes from top carriers
- Side-by-side coverage comparisons
- Texas-specific expertise
- Streamlined application process
- Ongoing policy management
- Claims advocacy support
Our platform analyzes data from 900+ plumbers to:
- Optimize coverage levels
- Find competitive rates
- Bundle policies for savings
- Ensure state compliance
- Meet contract requirements
Get customized quotes through our online tool or speak with a plumbing insurance specialist today.