Insurance for Plumbers in Georgia

Plumbing is essential to both residential and commercial infrastructure in Georgia, making plumbers indispensable in communities from Atlanta to Savannah. But with the work comes a fair share of risks—from property damage and injuries to equipment theft and legal claims. That’s where having the right insurance coverage becomes critical. 

Why Plumbers in Georgia Need Insurance

Plumbing jobs often involve working on third-party properties, operating heavy tools, and dealing with high-pressure water systems and gas lines. A simple mistake can lead to significant financial liability. Additionally, Georgia, like many states, has specific legal requirements for contractors regarding insurance coverage.

Whether you're a solo contractor or run a larger plumbing company, insurance helps:

  • Protect against lawsuits and property damage claims

  • Comply with state licensing and bonding requirements

  • Build trust with clients and contractors

  • Safeguard business assets, tools, and employees

Types of Insurance for Georgia Plumbers

1. General Liability Insurance

This is the most essential policy for any plumber. It covers bodily injury, property damage, and personal injury claims from third parties. For example, if a pipe bursts and damages a client’s hardwood floor, this policy helps cover the cost.

Required for most contractor licenses in Georgia.

2. Workers’ Compensation Insurance

If you have employees, Georgia law requires you to carry workers’ comp insurance. It covers medical expenses and lost wages if an employee is injured on the job. Even if you're a solo operator, it may be smart to carry this coverage to protect against self-injury costs.

3. Commercial Auto Insurance

Most plumbers rely on vans or trucks to transport tools and materials. Personal auto policies typically don’t cover business use. Commercial auto insurance protects your work vehicle and any liability in case of an accident.

4. Tools and Equipment Insurance

Plumbing tools can be expensive. This type of policy covers theft, loss, or damage to your tools—whether they’re on a job site, in transit, or in storage.

5. Professional Liability (Errors and Omissions)

While not always necessary, this coverage can be beneficial if you provide consultations, designs, or recommendations as part of your plumbing services. It protects against claims that your work was inadequate, faulty, or caused a financial loss.

6. Surety Bonds

Georgia often requires licensed plumbers to carry surety bonds as a guarantee of contract fulfillment. While not technically insurance, a bond provides protection for your clients if you fail to complete a project or meet local regulations.

Insurance isn’t just a legal box to check—it’s a fundamental part of protecting your plumbing business. In Georgia’s competitive and regulated market, the right insurance policies can mean the difference between business continuity and financial disaster.

If you're unsure where to start, Tatum Insurance Agency can tailor a policy package specifically for your plumbing business in Georgia.

229-244-0222  Valdosta

229-469-9442  Lake Park