Independent agency in American Fork, Utah · Since 2005
Plumbing Contractor Insurance in Utah, Built Around Water Damage Risk
One failed fitting can flood a finished basement. We help Utah plumbers carry coverage that responds to the claims plumbers actually face, from service calls to new construction.
📞 Call (801) 407-8360Request a Call Back
Talk to a licensed agent, not a call center.
Coverage built for plumbing contractors
General liability
Bodily injury and property damage claims, including water damage that shows up after the job is done (completed operations).
Contractors pollution liability
Sewage backups, mold, and other contamination claims that a standard general liability policy usually excludes.
Workers' compensation
Required in Utah for businesses with employees, and needed for your DOPL contractor license.
Commercial auto
Service vans and trucks, plus hired and non-owned auto for employees who drive their own cars on the job.
Tools & equipment floater
Camera rigs, jetters, pipe threaders, and tools stolen from a van or damaged on site.
Commercial umbrella
Extra limits above your liability and auto policies when a big water loss or a contract calls for more.
Gaps we check on every review
Having a policy and being properly covered are two different things. When we review insurance for plumbing contractors, these are the claims we look for first:
- Mold or sewage claims that run into the pollution exclusion
- The cost of tearing out and redoing your own faulty work
- Contracts that require additional insured or waiver of subrogation wording you don't have
- Expensive diagnostic equipment that isn't scheduled on any policy
Read more: Plugging the Gaps: Insurance Coverages Plumbing Contractors Are Likely Missing
How it works
Call us or request a call back
Tell us what kind of work you do, roughly how big your crew is, and when your current policy renews.
We shop it for you
As an independent agency we compare options from several carriers, so you don't have to fill out the same application again and again.
Review it with a real agent
We go through what's covered and what isn't, then handle certificates and additional insured requests for your jobs.
Have this handy for a faster quote
- Type of work (residential, commercial, new construction, service and repair)
- Annual revenue and payroll
- Number of employees and any subcontractors you use
- Vehicles and the value of your tools and equipment
- Current policy and its renewal date, if you have one
Don’t have it all? Call anyway.
Frequently asked questions
Does my general liability cover water damage from my work?
It can cover damage to other property caused by your completed work, but it usually won't pay to fix or replace your own faulty work, and mold or sewage may hit the pollution exclusion. We'll walk you through exactly where the lines are on your policy.
What insurance do I need for my Utah contractor license?
Utah's Division of Professional Licensing (DOPL) requires active contractor licenses to keep general liability insurance in force, and workers' compensation if you have employees. Owners without employees may qualify for a waiver. We can help you show the proof DOPL needs.
Can you issue certificates for my general contractor or property manager?
Yes. Once you're insured with us, we handle certificates of insurance and additional insured requests, as allowed by your policy.
I already have insurance. Can you still look at it?
Absolutely. Many contractors call us for a second look before renewal. We'll review what you have and tell you plainly if we see gaps.
Get your plumbing contractor insurance quote
The fastest way is a quick call: (801) 407-8360. Prefer we call you? Leave your name and number below and a licensed agent will call you back.
"*" indicates required fields
Insure Right Insurance Agency, LLC · 831 E 340 S, Suite 200, American Fork, UT 84003 · (801) 407-8360 · [email protected]
This page is for general information and is not legal or insurance advice. Coverage availability and terms vary by carrier and state, and all coverage is subject to underwriting and policy terms.
