Plumbing Contractor Insurance in Michigan

Oakland Insurance is proud to provide Michigan's plumbing contractors with some of the best insurance coverage available. Our policy experts understand the unique risks that come with operating a plumbing business, and they have crafted custom policies to provide comprehensive protection from these risks. 

Additionally, our team can help customers find additional coverage, such as equipment breakdown, pollution liability, or professional indemnity if desired. We also strive to keep premium costs low by negotiating with multiple top-rated carriers for the most competitive rates.



At Oakland Insurance, we want all Michigan plumbing businesses to be adequately protected so they can focus on providing quality services rather than worrying about their liabilities. Contact us today to discuss your insurance needs and get an affordable quote right away!

General Liability Insurance is a must-have for plumbing contracting businesses in Michigan. It provides protection from claims due to bodily injury, property damage, or personal and advertising injury caused by your business operations, products, or services. Coverage under this policy typically includes:

• Bodily Injury & Property Damage Liability – Protection against financial liability stemming from property damages or bodily injuries sustained by people as a result of your work
• Personal & Advertising Injury Liability – Coverage for claims that arise due to libel, slander, copyright infringement, etc.
• Medical Payments – Reimbursed medical expenses without determining fault
• Additional Costs – Many policies also offer coverage for defense costs and court awards if you are found liable

General liability insurance is essential for plumbing contractors in Michigan, as it protects them from costly claims and lawsuits that could otherwise put their business at risk.

Plumbing contractors in Michigan need to protect their tools and equipment from theft, loss, or damage. This can be accomplished through tools and equipment insurance. 

This type of policy typically covers the repair or replacement of essential plumbing equipment such as pipes, fittings, fixtures, and hoses used in a contractor’s business. It also provides coverage for tools that are stolen or damaged due to vandalism or accidents while they are being used for work purposes.

Tools and equipment insurance is especially important for plumbing contractors because these items may not be covered by other types of policies like auto insurance since they are not considered vehicles. With this type of coverage, plumbing contractors can have peace of mind knowing that their investments will be protected if anything unexpected happens.

If a plumbing contractor provides services using any vehicle, they must have automobile insurance. This policy covers damages to property or injury to other people caused by your vehicles while on the job. Coverage includes:

• Bodily Injury & Property Damage Liability – Protection against financial liability stemming from property damages or bodily injuries sustained by people as a result of your work
• Comprehensive & Collision Coverages – Pays for damage done to your vehicles caused by accidents, theft, fire, vandalism, etc.
• Uninsured Motorist Coverage – When the responsible driver is uninsured or underinsured, this coverage pays for your medical expenses
• Medical Payments Coverage – Reimburses medical expenses without determining fault

Having enough auto insurance as a plumbing contractor in Michigan can protect yourself from financial losses caused by accidents and other unpredictable events.

Professionals such as plumbers in Michigan must carry professional liability insurance to protect against claims of negligence or malpractice. This type of policy helps to cover legal costs and any resulting damages that may be brought against a plumbing contractor for failing to provide adequate services or making a mistake during their work.

Professional liability insurance for plumbing contractors in Michigan typically covers:

• Bodily injury, property damage, and financial harm caused by mistakes made while providing contracted services
• Legal fees associated with defending against lawsuits due to alleged acts of negligence or wrongful termination
• Financial losses incurred from contractual disputes between the contractor and customer
• Damages caused by flawed materials or products used on a project

Having this type of coverage can offer peace of mind to plumbers in Michigan, as it helps to ensure that their business is protected from legal action in the event a customer or client feels they have been wronged due to negligence. Furthermore, it can also provide financial support during a time when legal fees and court costs are mounting up.

Professional liability insurance for plumbing contractors in Michigan can also help to promote trust between them and their customers. It lets clients know that the contractor takes their service seriously by having protection in place should something go wrong with the project. This added sense of security can lead to increased customer satisfaction and loyalty down the road.

Inland marine insurance is another form of coverage that plumbing contractors in Michigan may need. This type of policy protects equipment and tools transported from one job site to another. This includes items like ladders, drills, saws, and other tools used on the job. 

It also covers any damage or loss caused by unexpected events such as fires, floods, and earthquakes.



In addition, inland marine insurance may provide coverage for materials shipped to a contractor’s job site in order to complete a project. This could include expensive fixtures or even large shipments of parts required for repairs or installations. Inland Marine insurance can help to ensure that plumbing contractors are not left with unpaid bills when something goes wrong during transport.

Surety bonds are another type of protection that plumbing contractors in Michigan may need. This type of coverage provides financial protection for a contractor’s clients if the contractor fails to complete a project or does not fulfill their contractual obligations. 



The bond is essentially a guarantee from the contractor that they will meet their commitments and perform their work according to the agreed-upon standards.

A business owner’s policy, or BOP for short, is a type of insurance that can be beneficial to plumbing contractors in Michigan. A BOP combines property and liability coverage in one policy that can save on premiums and provide comprehensive protection. 



It extends coverage to the business's physical assets, such as tools and equipment, as well as any property inside the premises owned by the contractor. It also includes liability coverage for injury or damage caused by negligence on the part of a plumbing contractor while working.

The cost of plumbing contractors insurance in Michigan varies from provider to provider, depending on the size and scope of a contractor’s business. Factors such as claims history, number of employees, number of subcontractors used, and the type of work conducted can all influence premiums. 

Generally, the average cost of professional liability insurance for plumbers in Michigan is less than $89 per month. A Plumber’s Umbrella Insurance Policy typically costs around $980 annually, while Commercial Auto Insurance for plumbers is estimated at approximately $177 per month per vehicle. Additionally, Inland Marine Insurance for tools and equipment can range between $180 and $5,000 of coverage annually, and a BOP may cost between $1,000 and $2,800 annually.



Ultimately, the best way for a plumbing contractor to get an accurate estimate on their insurance costs is to contact our independent insurance agents at Oakland Insurance. We can provide tailored quotes from multiple carriers that will fit your budget and ensure you get the best coverage for your business.

Oakland Insurance is committed to helping plumbing contractors in Michigan get the coverage they need at an affordable rate. Our independent insurance agents understand the unique needs of a plumbing business and can help you obtain comprehensive coverage from multiple carriers that fit your budget. 

We can help you compare Michigan plumbing contractors' insurance quotes quickly and easily so you can make an informed decision regarding protecting yourself and your business. 



Contact us today to learn more about Michigan plumbing contractors' insurance and request a free quote. We look forward to working with you!