Plumber Insurance for Oklahoma Contractors

Oklahoma plumbers need General Liability insurance with a minimum of $50,000 in coverage. Most commercial contracts require $1,000,000. You'll also need a surety bond, Workers' Compensation if you have employees, and Commercial Auto for service vehicles.

Yes. Oklahoma requires licensed plumbers to carry both a surety bond and General Liability insurance. The bond protects consumers if you fail to complete a job. Insurance protects against property damage and bodily injury claims. They serve different purposes and both are mandatory.

Plumbing insurance in Oklahoma typically costs $700 to $2,000 per year for General Liability, depending on your revenue and claims history. Water damage claims are common in plumbing, so carriers look closely at your track record.

General Liability covers property damage caused by your work (like water damage from a faulty installation), bodily injury on job sites, and completed operations claims after the job is done. It also covers your legal defense if someone sues you.