Texas Plumbing & Pipefitting Contractors Insurance
Underwriting brief for Texas plumbing, heating, and air-conditioning contractors (8,649 active Texas establishments across 174 counties). We compare 30+ TDI-admitted and specialty commercial carriers for plumbing contractors with fast Certificate of Insurance (COI) turnaround.
Texas Plumbing Contractors Market Footprint
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Classification & Compliance Specs
- NAICS Code
- 238220 — Plumbing, Heating, and Air-Conditioning Contractors
- NCCI Workers' Comp Codes
- 5183 (Plumbing NOC), 5188 (Automatic Sprinkler Installation)
- ISO GL / Coverage Form
- 98483 (Plumbing — Commercial/Industrial), 98482 (Residential)
- Texas Regulator / Spec
- Texas State Board of Plumbing Examiners (TSBPE — Tex. Occ. Code Ch. 1301)
TSBPE Responsible Master Plumbers (RMPs) must maintain at least $300,000 in commercial General Liability coverage on file with TSBPE before pulling Texas permits.
Where Plumbing Contractors Cluster in Texas
- Harris: 1,184 firms (13.7% of TX) • 18,992 employees
- Dallas: 713 firms (8.2% of TX) • 12,335 employees
- Tarrant: 615 firms (7.1% of TX) • 8,729 employees
Primary Loss Exposures
- PEX/copper solder joint failures causing multi-story water intrusion in occupied buildings.
- Excavation strikes on unmarked gas, fiber, or municipal water mains during sewer line replacements.
- Backflow preventer and medical-gas certification errors on commercial buildouts.
Key Endorsements We Verify
- XCU (Explosion, Collapse & Underground) coverage for trenching and slab-leak jackhammering
- Contractors Pollution Liability for sewer backups and grease-trap hydro-jetting
- Tools & Equipment Floater for sewer cameras, locators, and pro-press kits
Plumbing Contractors Insurance FAQs
How much GL insurance does TSBPE require for a Responsible Master Plumber?
Texas Occupations Code §1301.3576 requires an RMP to maintain at least $300,000 in General Liability insurance with TSBPE named on the certificate.
Does a plumbing GL policy cover water damage from a faulty compression fitting?
GL covers the resulting water damage to the customer's drywall, flooring, and cabinets, though the cost to replace the defective fitting itself is excluded as 'your work.'
Are sewer cameras and hydro-jetters covered if stolen from a truck?
Only if scheduled on an Inland Marine Contractors Equipment Floater; Commercial Auto covers the truck, not loose tools inside.
Do I need Pollution Liability for septic or grease trap work?
Yes—standard GL has an absolute pollution exclusion; Contractors Pollution Liability (CPL) covers sewage spills and contaminated runoff.