Plumbing Contractor Insurance for Tampa FL
Liability, workers' comp, CFC license bonds and tools coverage for Tampa plumbing contractors, including water damage and post-job leaks.
Coverage for the leak you fixed and the one found later
Water damage to client property is a core plumbing risk. General liability covers damage caused by your work, and completed operations covers leaks found after the job is done.
- Water damage to client property
- Completed operations for post-job leaks
- Additional insured status for your GCs
- Legal defense included
Coverage for Tampa FL plumbing contractors
Six policies that protect your crew, your trucks, your tools and your finished work.
General Liability
Third-party property damage, including water damage from your work, plus post-job leaks.
Workers' Compensation
Covers crew injuries like confined space accidents, chemical and burn exposures, and falls.
CFC License Bond
The CILB surety bond your Certified Plumbing license needs, plus any local bonds.
Commercial Auto
Covers the trucks and vans your plumbers drive to service calls and job sites.
Tools and Equipment
An inland marine tools floater that covers your equipment wherever it goes.
Umbrella Liability
Extra liability above your GL and auto limits for claims that exceed them.
The plumbing exposures we plan for
Your pipe camera and hydro-jet are not covered by GL or commercial auto
Tools need an inland marine floater. For expensive equipment like pipe cameras or hydro-jets, scheduled coverage is recommended.
What we check before you sign
- Water damage caused by your plumbing work
- Completed operations for post-job leaks
- Class code 5183 and the right payroll allocation
- Your CILB bond and any local bond requirements
- Tools and equipment assumed to be on GL or auto
- Expensive equipment without scheduled coverage
- Extra bonds required in Hillsborough County or Tampa
- Mixed crews placed under the wrong class codes
Why Tampa Bay plumbing contractors choose FishHawk
Thirty years of experience as an independent broker. We compare multiple carriers and handle every bond type your license needs.
- Independent broker: multiple carriers compared, not one offer
- Same-day certificates of insurance for your GCs
- Same-day help when you face a stop-work order
- Tampa Bay local, working with contractors in our own area
Covered in 3 simple steps
Tell us about your trade
Share your plumbing work, your crew and your equipment so we quote the right coverage.
We shop multiple carriers
We compare rates and coverage across multiple carriers and bring back the best fit.
Bind coverage and get your COI
Pick your policy, we bind it and send your certificate of insurance so you can work.
Frequently asked questions
Does GL cover water damage claims from plumbing work?
Yes, GL covers third-party property damage including water damage caused by your plumbing operations or materials. Post-completion leaks are covered under completed operations, which is standard in properly written plumbing contractor GL policies.
What workers' comp class code applies to plumbers?
Plumbing work typically falls under NCCI class code 5183 (plumbing, heating, and refrigeration). FishHawk Insurance Center correctly applies class codes and reviews payroll allocation if you have multiple types of workers.
What bond do I need for my Florida CFC license?
Florida Certified Plumbing Contractors need a CILB surety bond. Local authorities in Hillsborough County and City of Tampa may require additional bonds. FishHawk Insurance Center identifies your exact requirements and handles all bond types efficiently.
Do I need separate coverage for tools and equipment?
Yes. GL and commercial auto don’t cover your tools and equipment at job sites. An inland marine/tools floater covers your equipment wherever it goes. For expensive equipment like pipe cameras or hydro-jets, scheduled coverage is recommended.