Is plumber liability insurance required by law or contracts?

In many cases, yes! 

  • State licensing boards often require proof of general liability insurance. 
  • Clients—especially commercial or institutional ones—frequently mandate coverage before permitting work. 
  • Permit or contract specifications may explicitly list insurance requirements at set limits. 

Even if not mandated, carrying liability coverage builds credibility and saves you from personal financial exposure. 

By Heather

Heather focuses on small business insurance at Gild Insurance Agency, writing clear, practical guidance that helps business owners understand coverage, manage risk, and protect their businesses.