Plumbing Contractor Insurance in Colorado Springs

A single leak can mean thousands in water damage to a customer's home. Client's Choice Insurance quotes general liability, workers' comp, auto and tools coverage for Colorado Springs plumbers and plumbing contractors across multiple carriers.

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Coverage Most Plumbing Contractors Carry

Coverage	Why it matters
General liability	Pays for water damage, injury or property damage your work causes, including leaks that show up after the job is done.
Workers' compensation	Covers employee injuries such as back strains, burns and cuts. Required in Colorado once you have employees.
Commercial auto	Covers service vans and trucks driven by you and your crew.
Tools and equipment	Covers drain machines, cameras, pipe threaders and other gear stolen from the van or damaged on the job.
Contractors pollution liability	Covers sewage, mold or contamination claims that many general liability policies exclude.

Risks Underwriters Ask About

Residential, commercial or new construction work, and the mix of each
Service and repair versus new installs
Gas line, boiler, backflow or sewer and drain work
Use of subcontractors and whether they carry their own coverage
Payroll by job class and years in business

Licensing and Insurance in Colorado Springs

Colorado plumbers are licensed by the state, and state licensees must also register with the Pikes Peak Regional Building Department to pull permits in Colorado Springs and most of El Paso County. PPRBD requires $1,000,000 per occurrence and $2,000,000 aggregate general liability, its exact certificate holder wording, a 10-day cancellation notice endorsement, and workers' comp or a signed rejection on file.

Plumbing Contractor Insurance Questions

Does general liability cover water damage from a leak?

Water damage to the customer's property caused by your work is generally covered, including after the job is done, subject to the policy terms. Some policies limit mold, so check that wording.

Do plumbers need pollution coverage?

Many general liability policies exclude pollution, which can include sewage and mold. A contractors pollution policy or endorsement fills that gap.

Do I need workers' comp if I work alone?

Not if you file a valid rejection of coverage for yourself. Once you hire employees, Colorado requires it.

See coverage by trade, general liability insurance and PPRBD insurance requirements.

Coverage is subject to policy terms, conditions, limits and exclusions.