PLUMBERS INSURANCE IN GEORGIA: THE HIDDEN COSTS YOU SHOULD PLAN FOR
Get rates from America’s leading insurance providers with an instant quote from us
THE IMPORTANCE OF PLUMBERS INSURANCE IN GEORGIA
Plumbers often work in places where accidents happen. A pipe leak can result in property damage worth thousands of dollars, a poor installation can spark legal action, and workers can get hurt on the job. Georgia mandates specific insurance policies to make sure plumbers have financial protection and meet legal requirements.
Plumbers insurance offers many benefits such as:
- Protecting against claims for injuries to others and damage to their property
- Covering attorney fees and settlements if sued
- Safeguarding tools, equipment, and work vehicles
- Meeting Georgia state and local licensing rules
WHAT COULD HAPPEN IF YOU DON’T HAVE INSURANCE
License Suspension or Revocation
The Georgia State Construction Industry Licensing Board requires insurance for licensed plumbers and plumbing contractors. If you don’t follow this rule, your license might get suspended or not renewed.
Employee Injury Liabilities
Georgia law says businesses with employees need workers’ compensation insurance. If an employee gets hurt and there’s no insurance, the business owner has to pay for medical costs and lost wages.
Denied Business Permits & Contracts
A lot of cities, counties, and business customers need you to show insurance documents before they give out permits or sign contracts with you.
Lawsuits & Financial Losses
Plumbers without general liability insurance can end up responsible for damages legal claims, or medical expenses.
Get a Free Plumbers Insurance Quote
In only 5 minutes of your valuable time. We can often get same day coverage.
Get a Free Plumbers Insurance Quote
WHO NEEDS PLUMBERS INSURANCE IN GEORGIA?
1. Independent & Self-Employed Plumbers
Self-employed plumbers don’t have to carry workers’ compensation by law, but they should get general liability insurance. Many homeowners, landlords, and businesses won’t hire plumbers without insurance because of possible liability issues.
3. Plumbing Businesses & Companies
Bigger plumbing businesses need full coverage, including:
- General Liability Insurance to cover accidents and damage to property.
- Workers’ Compensation Insurance to protect employees who get hurt.
- Commercial Auto Insurance to insure work vehicles the business owns.
- Professional Liability Insurance (Errors & Omissions) to handle disputes about work quality.
- Surety Bonds to meet state or local licensing rules for projects.
2. Plumbing Contractors
Contractors who own plumbing businesses must meet state licensing rules. These rules say they need general liability insurance and surety bonds. If they have employees, Georgia law says they must have workers’ compensation insurance.
Do you have a question?
Call us 24/7.
We do love calls, we will answer you with the best attitude and always willing to help.
- Get your certificate of insurance.
- Update your coverage.
- Edit billing info.
- Change business address.
- Customer Service.
OPTIONAL COVERAGE FOR GEORGIA PLUMBERS: EXTRA PROTECTION FOR YOUR BUSINESS
While general liability covers basic risks, Tools & Equipment Insurance and Professional Liability Insurance (E&O) provide additional financial protection against unexpected losses and legal claims.
Tools & Equipment Insurance: Protecting Your Plumbing Gear
Plumbers rely on expensive tools that can be stolen, lost, or damaged. This coverage helps replace or repair essential equipment so work can continue without disruption.
Professional Liability Insurance (E&O): Protecting Against Lawsuits
Clients can sue if they believe a plumbing job was done incorrectly. E&O insurance covers legal fees and settlements related to negligence, faulty work, or contract disputes.
GEORGIA PLUMBING LICENSE REQUIREMENTS
Types of Plumbing Licenses in Georgia
The Georgia State Construction Industry Licensing Board offers three levels of plumbing licenses:
- Journeyman Plumber – Entry-level license for supervised work.
- Master Plumber Class I (Restricted) – Limited to small-scale plumbing jobs.
- Master Plumber Class II (Unrestricted) – No restrictions on job size or type.
Experience Requirements
- Journeyman Plumber – Requires at least 3 years of work experience.
- Master Plumber Class I & II – Requires 5 years of experience, including time spent as a journeyman plumber.
Examinations & Continuing Education
- Plumbers must pass a state licensing exam administered by the Georgia State Construction Industry Licensing Board.
- Licensed plumbers must complete continuing education to renew their license.
Additional Certifications
- Medical Gas Certification – Required for plumbers working on medical gas piping systems.
- Local Regulations – Municipalities may impose additional permit and licensing requirements.
HOW MUCH DOES PLUMBERS INSURANCE COST IN GEORGIA?
The cost of plumbers insurance in Georgia varies based on several factors, including business size, claims history, location, number of employees, and coverage limits. Plumbers in larger cities tend to pay higher premiums due to increased accident risks, higher claim frequencies, and stricter municipal regulations.
Below is an overview of the average annual costs for different types of plumbers insurance in Georgia:
| Insurance Type | Estimated Annual Cost | Who Needs It? |
|---|---|---|
| General Liability Insurance | $600 – $1,500 | Required for all licensed plumbers & contractors |
| Workers’ Compensation Insurance | $2,500 – $7,000 | Required for businesses with employees |
| Commercial Auto Insurance | $1,200 – $3,000 | Required for business-owned vehicles |
| Surety Bond | $100 – $500 | Required for plumbing contractors in many cities |
Location & Regional Risk
Insurance costs differ between cities, with larger urban centers charging more because they have more claims, tougher rules, and bigger liability risks.
Cities in Georgia Where Insurance Costs the Most:
- Atlanta – Heavy traffic makes commercial auto insurance pricier.
- Savannah – More expensive properties mean bigger liability claims.
- Augusta – Lots of business projects need higher insurance coverage.
- Columbus & Macon – These growing business centers have more workplace dangers.
Plumbers in country areas or smaller towns pay less for insurance because they have fewer claims and faceless business risk.
Here’s What Contractors Think
Frequently Asked Questions
The following are common questions about Plumber Insurance.
Yes, licensed plumbers must have general liability insurance, and businesses with employees must carry workers’ compensation.
Costs vary by business size and location. General liability is $600–$1,500/year, workers’ comp $2,500–$7,000/year, and commercial auto $1,200–$3,000/year.
No, but some contracts may require it. It also provides financial protection in case of injury.
Yes, for plumbing contractors. The bond amount varies by city, with Atlanta and Savannah requiring bonds for permits.
It protects against third-party injuries, property damage, and legal claims from plumbing work.
It covers negligence claims and workmanship disputes. Not required, but recommended for commercial projects.
We’ve collected all the most useful things in our e-books
Just read and in 30 minutes you will know everything about insurance.
