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Colorado Plumber Contractor Insurance: Quotes Costs & Coverage

In Colorado, plumbers operate in a field that’s inherently risky, not just physically but also in terms of potential liability. Recognizing and mitigating these risks through comprehensive insurance is not just wise; it’s essential for the longevity and legality of your business.

  • General Liability Insurance: This foundational coverage is indispensable. It protects against claims of property damage or bodily injury that could occur during plumbing work. It’s the bedrock insurance policy that covers accidents which might happen on the job.
  • Commercial Auto Insurance: Essential for plumbers who use their vehicles for transporting tools, equipment, or employees. This insurance covers damage and liability for accidents that occur while driving for business purposes.
  • Workers’ Compensation Insurance: Mandatory if you have employees, it covers medical expenses and a portion of lost wages for employees injured on the job. This insurance is crucial for maintaining your business’s financial stability in case of employee injuries.
  • Tools and Equipment Insurance: Plumbing requires specific tools and machinery, which can be expensive. This insurance covers the repair or replacement of your tools and equipment if they are stolen, lost, or damaged.
  • Professional Liability Insurance (Errors and Omissions): Even the most skilled plumbers can face claims of negligence or unsatisfactory work. This insurance protects against such claims, covering legal fees and damages.

Offering a comprehensive insurance package tailored for plumbers in Colorado is not just about meeting legal requirements; it’s about providing peace of mind. It ensures that you, your employees, and your assets are protected, allowing you to focus on what you do best: providing top-notch plumbing services. Tailoring these coverages to the unique aspects of your plumbing business ensures you’re fully protected against the unpredictable nature of the job.

How Much Does It Cost to Insure a Plumbing Business in Colorado?

Estimating insurance premiums for plumbers in Colorado involves considering various scenarios, each with distinct coverage needs:

Solo Plumber, Basic Operations:

  • General Liability: $500 – $1,000 annually.
  • Commercial Auto: $1,200 – $2,000 annually.
  • Tools and Equipment: $250 – $600 annually.
  • Professional Liability: $800 – $1,500 annually.

Plumbing Business with Employees:

  • General Liability: $1,000 – $2,000 annually.
  • Commercial Auto: $1,500 – $3,000 annually, depending on the number of vehicles.
  • Workers’ Compensation: $2,500 – $5,000 annually, varies with payroll.
  • Tools and Equipment: $500 – $1,000 annually.
  • Professional Liability: $1,000 – $2,000 annually.

Specialized Plumbing Services:

  • General Liability: $1,500 – $3,000 annually.
  • Commercial Auto: $2,000 – $4,000 annually.
  • Workers’ Compensation: $3,000 – $6,000 annually.
  • Tools and Equipment: $700 – $1,500 annually.
  • Professional Liability: $1,500 – $3,000 annually.


These estimates reflect a range of potential scenarios, with actual premiums depending on specific business details, coverage limits, deductible choices, and the insurance provider. Plumbers should seek personalized quotes with Castle Rock Insurance for the most accurate pricing.

Get an Insurance Quote For Your Colorado Plumbing Business

Each plumbing business stands out with its own needs, and as an independent insurance broker, we at Castle Rock Insurance understand this. With access to over 50 commercial carriers, we ensure your insurance isn’t just generic but tailored specifically for you. Get the right coverage at the best price.

 

Get an Insurance Quote Today!

Local and independent, we provide Colorado plumbers with tailored insurance solutions, leveraging access to 50+ commercial carriers.

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