Plumber Insurance in Colorado

Plumbers in Colorado face a range of risks that can lead to financial and legal liabilities. Some of these risks include:

• Property Damage Risk: Plumbers must ensure that any repairs they make are safe and effective. If there is an error in the work, it could lead to property damage or injuries.
• Liability Risk: Plumbers can be held liable for any damages or defects resulting from their work, as well as for any safety hazards posed by their equipment.
• Professional Malpractice Risk: Poorly performed plumbing services can result in lost customers and tarnished reputations.
• Workers’ Compensation Risk: Plumbers are responsible for the health and safety of their employees, and they can be held liable if an employee is injured on the job.
• Damage to Fixtures Risk: If a plumber damages fixtures or appliances while performing repairs, they can be held liable for any resulting costs.

In order to protect against such risks, plumbers should invest in a comprehensive insurance policy that covers them for any liabilities that may arise.

3R Insurance Agency is the premier provider of insurance solutions for Colorado plumbers. Our experienced professionals have the expertise to help you find the right coverage at the best rates. Our comprehensive insurance packages can protect you against property damage, liability, professional malpractice, workers’ compensation claims, and damages to fixtures. 

We also provide access to risk management services that can help you identify potential risks and develop strategies to mitigate them. With our help, you can have peace of mind knowing that your business is protected from any unforeseen liabilities. 



Contact us today for a free consultation – we look forward to being your partner in helping ensure the success of your plumbing business!

Colorado plumbers are required to carry liability insurance in order to protect their business. This coverage can help protect them from financial losses due to property damage, liability claims, professional malpractice, and workers’ compensation claims. The following professionals should consider purchasing Colorado plumbers’ insurance:

• Commercial plumbers
• Residential plumbers
• Drain cleaners
• Sewer and septic tank service providers
• Pipe installers
• Boiler and furnace installers
• Plumbing inspectors
• Gas fitters
• Handyperson
• Sprinkler installers
• Home builders, renovators, and developers 

No matter what type of plumber a person is or what services they offer, having the right insurance coverage is essential.

With the right coverage in place, a plumber can mitigate their risk of financial loss due to unexpected events or accidents.

Plumbers in Colorado need to have the right insurance coverage in order to protect themselves from potential liabilities. General Liability Insurance for plumbers covers:

• Property damage caused by a plumber while on the job.
• Legal fees associated with any lawsuits filed against a plumber due to negligence or intentional acts of harm.
• Medical expenses resulting from injuries sustained by a customer due to a plumber’s negligence or intentional act of harm.
• Financial losses incurred as a result of theft, vandalism, or natural disasters while on the job site.
• Advertising injury claims made against a plumber due to copyright infringement or libelous statements made about another person, business, or product.

By having the right General Liability Insurance for plumbers in Colorado, individuals can ensure that they are properly protected from potential liabilities and financial losses. 



With this type of coverage, a plumber can rest assured that their business is protected against any unexpected legal or medical expenses resulting from an accident or mistake on the job.

Another type of insurance that plumbers in Colorado need is Professional Liability Insurance. This coverage protects against claims made against a plumber for errors, omissions, or negligence when providing professional services to customers.

This type of coverage typically covers:

• Claims arising from negligent advice given by a plumber while on the job.
• Legal defense costs associated with any lawsuits filed due to a plumber’s error or omission while providing services.
• Damages awarded if a customer brings a claim against a plumber due to an error or omission while providing professional services.

With Professional Liability Insurance in place, a plumber can have peace of mind knowing that their business is protected against any unexpected legal expenses or damages resulting from an error or omission on the job.

Another type of insurance that plumbers in Colorado should consider is Business Property Insurance. With Business Property Insurance in place, a plumber can rest assured that their business is protected against unexpected property or equipment losses due to an accident or natural disaster. This coverage typically covers:

• Losses due to fires, theft, vandalism, and other perils (such as flooding).
• Replacement costs for any damaged or stolen property.
• Costs associated with rebuilding the business if an insured peril destroys it.

By investing in Business Property Insurance for plumbers in Colorado, individuals can ensure their business is adequately protected from potential financial losses due to unforeseen circumstances.

Workers’ compensation insurance is essential for protecting plumbers in Colorado from financial liabilities related to employee injury or illness. This coverage provides benefits for medical care, disability payments, and death benefits if an employee is injured while performing their job duties. It also helps protect employers from being sued by employees who sustain injuries on the job.

In order to be eligible for workers’ compensation insurance in Colorado, a plumber must meet certain criteria. These include having at least one full-time employee (not including the owner) and meeting minimum annual payroll levels. 

The state also requires all businesses with four or more employees to carry workers’ comp insurance, as well as those that contract out for services such as plumbing work.

Commercial auto insurance is important for plumbers who have company vehicles for transporting tools, materials, and personnel. This coverage provides financial protection against losses related to vehicle accidents or damage. It also helps protect plumbers from liability for any resulting injuries or property damage.

In Colorado, commercial auto insurance is required by law in order to operate a business vehicle legally. Plumbers must obtain this coverage before they can begin using their vehicles for work-related purposes.

Tools and equipment insurance is essential for plumbers to protect their vital tools from theft, fire, or other damage. This coverage provides financial protection against losses related to damage or destruction of these tools. It also helps protect plumbers from liability if a customer’s property is damaged due to a malfunctioning tool.



In Colorado, this insurance is not required by law, but it is highly recommended for businesses that rely on essential tools and equipment. Plumbers should consider obtaining this coverage in order to protect their investments and maintain the highest standards of service for their customers.

Product liability insurance provides protection for plumbers in Colorado against lawsuits and other financial liabilities related to a faulty product or service. 



This coverage can help cover the cost of legal fees, settlements, and judgments related to a defective product that caused injury or property damage. In addition, product liability insurance can help plumbers recover from costly repairs or recalls of faulty products.

The cost of plumbers' insurance in Colorado depends on a variety of factors. These factors include:

• The type and amount of coverage needed
• The size and scope of the business
• The number of employees
• Whether or not there is a history of claims
• Risk factors associated with the plumber’s services.
• Business location
• Nature of your plumbing work or types of projects your work on

In general, insurance premiums for plumbers in Colorado range from $350 to $2471 per year. Before making a decision on which policy to purchase, it is important that each plumber consider their specific needs and risk factors. This will help ensure they get the right coverage at the best price possible.

To help lower your Colorado plumbers' insurance premiums, here are some tips to consider:

• Shop around and compare quotes from various providers. Prices can vary significantly.
• Consider a higher deductible, as this will typically result in lower premiums.
• If you have a good safety record, inquire about any discounts available for maintaining such a record.
• Ask about rewards programs offered by insurers that offer discounts or other incentives for loyalty.
• Bundle multiple policies together to get better coverage at an even more affordable rate.
• Invest in safety equipment and training to create a safe work environment, which reduces the risk of accidents and could result in premium savings.

By taking the time to research your options and understand the factors that affect plumber’s insurance costs in Colorado, you can find a policy that fits your needs and budget.