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Is Your Plumber Insured?

Did you know plumbers in Indiana are required to carry insurance? It’s true! And it’s to the customer’s benefit. When you’re working with water or sewage, unforeseen issues can arise that could cause expensive damage to your property. When you’re in need of a local plumber, be positive the company you choose is covered by insurance. Continue reading below to learn why Hudson Plumbing values being a top-rated insured plumber in Martinsville, Mooresville, and the surrounding areas.

Choosing a licensed and insured plumbing contractor ensures your plumbing repair is protected against accidents and injuries.

Indiana Plumbing Commission Mandate

According to the Indiana Plumbing Commission, plumbing contractors in this state are REQUIRED to carry an insurance policy. The policy covers both the company, the technicians, and the vehicle fleet in the field and/or on the job site, as well as the customer.

The Plumbing Commission recommends policies with up to $2 million coverage, which means the company can expect to pay between $600 and $1,700 in premiums each month.

What Kind of Insurance Do Plumbers Carry?

Most moderately-priced local plumbers will carry two kinds of insurance. Commercial general liability covers accidents that occur while on the job; it also covers damages to property such as water or sewage damage.

Another form of insurance plumbers carry is workers’ compensation; this type of insurance policy covers medical expenses and lost wages for employees injured while performing work on the job.

What Can Go Wrong With a Licensed Plumber’s Work?

All plumbers are fallible–even licensed and insured plumbers. Any number of things can go wrong when it comes to plumbing. For example, choosing the wrong tool for a drain cleaning can cause damage to the sewer pipe. Not being equipped and able to conduct a complete plumbing inspection because of a lack of equipment. Failing to conduct quality checks after every plumbing repair.

The benefit of licensed and insured plumbing contractors, however, is we have processes and protocols in place to correct mishaps. Often unlike handymen, licensed plumbers put a high priority on consistent training to ensure mishaps are far and few between.

Theft, Accidents, and Injuries

Insurance protects you and the field technician in other ways, too. For starters, while a plumber is highly unlikely to steal from a customer, theft is covered under most insurance policies. Plumbing work has a high risk of liability to property damage (another reason to choose a professionally licensed contractor!).

At Hudson Plumbing, when we encounter severe sewage or water-related damages, we partner with a local restoration company to assist in any repairs necessary to get your property restored; when accidents are caused by the plumbing company, it’s typically covered under the insurance policy. Plumbing insurance also covers injuries caused by the plumber or by the equipment/materials used on the job.


Ready to schedule a plumbing repair or installation? Clean. Courteous. Same day service. We also offer a 5% new customer discount that takes effect during your very first service! Dial (765) 349-0900 to speak with our friendly customer service team.