Protect your plumbing business with customized insurance coverage designed for San Antonio contractors. SOGO Insurance helps plumbers safeguard their tools, vehicles, and reputation with policies tailored to Texas regulations and the realities of working in South Texas.
From burst pipes during remodels to unexpected water damage claims, we help plumbers handle risk with confidence. Whether you’re a solo tradesman or managing multiple crews, SOGO connects you with the coverage you need to stay compliant and keep business flowing.
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Plumbing is a necessity, but it comes with real risks. Every service call carries the potential for property damage, injuries, or costly claims.
Common risks San Antonio plumbers face:
With San Antonio’s mix of historic homes and new construction, plumbers face many challenges, from aging pipes to large-scale commercial systems — each presenting its own unique liabilities. That’s why insurance for plumbers isn’t just a formality; it’s a vital safety net for your reputation, income, and business continuity.
Every plumbing operation is different. SOGO customizes protection for your exact needs, whether you’re fixing residential leaks or managing large commercial installations.
You can’t do your job without your tools. This coverage protects expensive gear and equipment from theft, fire, or accidental damage, whether in your shop, truck, or at a jobsite.
Required or strongly recommended if you employ others. Covers medical bills and lost wages if someone gets hurt while working. Example: A technician strains their back lifting equipment — workers' compensation helps them recover without financial hardship.
Covers claims that your work caused financial loss or failed to meet specifications. Example: If a commercial client alleges improper installation led to costly downtime, E&O insurance helps cover defense costs.
Protects company vehicles used to transport tools, materials, and staff throughout Bexar County and beyond. Includes liability and physical damage coverage.
Covers third-party injuries and property damage. Example: If a pipe bursts during an install and floods a client’s bathroom, this policy helps cover cleanup, repairs, and legal expenses.
Combines general liability and commercial property and business income protection — ideal for small plumbing businesses seeking comprehensive, affordable coverage.
Insurance costs depend on your company’s size, risk profile, and coverage levels.
Based on industry averages:
Coverage Type – Average Annual Cost
General Liability – $500–$1,200
BOP (Bundled) – $700–$1,500
Workers’ Compensation – $1.25–$2.50 per $100 of payroll
Cost factors include:
A solo plumber in San Antonio might pay around $600–$900 per year for basic liability coverage, while a larger company with vehicles and staff will invest more for full protection. SOGO’s team compares quotes from multiple carriers to find competitive rates that fit your operation.
The Texas State Board of Plumbing Examiners (TSBPE) and TDLR require proof of insurance to obtain or renew plumbing licenses.
Typical requirements include:
SOGO Insurance can issue same-day COIs so you can meet licensing and client requirements quickly — keeping your business compliant and contract-ready.
Whether you’re unclogging drains, remodeling kitchens, or handling large commercial plumbing projects, SOGO Insurance makes it simple to find affordable, complete coverage. Most quotes are delivered within 24–48 hours, with quick turnaround on certificates and renewals.
Request your free plumber insurance quote today and keep your business flowing smoothly. Call (210) 499-5050 or get started online.
