Louisville Plumbing Contractor Insurance
Water damage claims are expensive. Your insurance program better be up to it.
A bad solder joint in a Crescent Hill condo can drain three floors before anyone notices. A slab leak misdiagnosis in Anchorage can cost a homeowner $40,000 in finish damage. A cut sewer lateral at a commercial jobsite can shut down a restaurant for a week. Plumbing is a trade where the claims are big, the lawsuits are personal, and the wrong insurance program will show its cracks at exactly the wrong moment. Dick Watts Insurance has spent 40 years writing Kentucky tradesmen, and plumbers are core to what we do.

Coverages Every Louisville Plumber Needs
General Liability (CGL): Your foundation. Covers bodily injury, property damage, and — critically for plumbers — water damage resulting from your work.
Workers’ Compensation: Kentucky-mandated for most shops with employees. We’re priced aggressively on standalone WC through January 2027.
Commercial Auto: Service trucks, utility vans, and anything hauling equipment. Hired and non-owned for employees running parts in personal vehicles.
Tools & Equipment: Snakes, camera systems, jetters, press tools, and everything else that makes money for you. Scheduled or blanket.
Installation Floater: Covers fixtures, water heaters, tankless units, and rough-in materials at the jobsite or in transit.
Commercial Umbrella: Plumbing claims can hit hard. An extra $1M–$5M of limit is cheap insurance — and many commercial GCs require it.

A Real Louisville Example
A local plumber we work with was quoting a large commercial remodel downtown. The GC required a $5M umbrella, a waiver of subrogation, and a 30-day notice of cancellation — terms his old policy couldn’t meet. We restructured his program with Hanover, met every contract requirement, issued the certificate the same day, and he landed the job. The new program also cost him less than his previous setup because we bundled his work comp. That’s how this should work.

Why Louisville Plumbers Work With Us
We understand plumbing-specific exposures — water damage claims, completed operations, septic and sewer work
Same-day certificates with the exact endorsements your GCs require
Standalone work comp available at competitive rates — and bundling unlocks aggressive pricing on other lines
Direct agent access — you’ll know our voice, not a ticket number
40 years and 500+ Kentucky clients who keep renewing

Frequently Asked Questions
Q: Does general liability cover water damage I cause?
A: Yes, if the damage results from a covered occurrence — a bad joint, a dropped fitting, a cracked supply line during service. What it generally won’t cover is damage to your own work. That’s why completed operations language matters.
Q: How much does plumber insurance cost in Louisville?
A: A one-truck residential plumber might run $800–$1,500 for GL alone. A full shop with employees, multiple trucks, and commercial work typically runs $10,000–$25,000+ across all lines. Call for a real number.
Q: Do you write backflow testing and septic work?
A: Yes — both are within Hanover’s and Progressive’s artisan appetite. Just tell us your full scope of operations when we quote.
Ready to Talk?
Call Dick Watts Insurance for a free coverage review. We’ll look at what you’ve got, tell you what’s missing, and quote what’s right — not just what’s easy to sell.