Insurance that works as hard as you do.
Workers' comp, general liability, and business insurance designed for California plumbing contractors. One simple application. Less paperwork. More time on the job.
Three steps, no phone tag.
Tell us about your plumbing business
Your CSLB license, the work you actually do, payroll and vehicles. The application asks what matters for plumbers and skips what doesn't.
We match you with available insurance options
Your submission is routed to markets whose appetite fits C-36 work, and a licensed producer at Pembroke reviews it before anything goes out.
Review quotes and choose coverage
Compare terms side by side in plain language, ask questions, and bind when you're ready. Quoting and binding depend on participating carriers and underwriting approval.
The lines plumbing contractors actually buy.
Availability, limits and eligibility depend on the carrier and your operations. Nothing here is a promise of coverage.
Workers' Compensation
Required in California once you have employees.
- Class 5183 plumbing payroll
- Clerical and outside sales splits
- X-Mod and claims review
General Liability
Third-party bodily injury and property damage.
- Per-occurrence and aggregate limits
- Additional insured endorsements
- Primary & non-contributory wording
Commercial Auto
Service vans, trucks and trailers.
- Scheduled vehicles and drivers
- Hired & non-owned
- Certificates for fleet requirements
Tools & Equipment
Inland marine for what's in the van and on the job.
- Scheduled and unscheduled tools
- Jetters, cameras, locators
- Leased and rented equipment
Commercial Umbrella
Limits above your primary policies.
- Follows GL and auto
- Meets GC contract requirements
- Common on commercial projects
Additional Contractor Coverages
The ones that come up on bigger jobs.
- Installation floater
- Pollution liability for sewer/drain
- Cyber and employment practices
Your X-Mod tells a story. Let's understand it.
Your experience modification multiplies every dollar of workers' comp premium you pay. A 1.30 X-Mod means you're paying 30% more than the same payroll at 1.00, and the claims driving it are often three years old, closed, or valued higher than they should be.
The calculator on the next page works from figures you enter. It is not connected to WCIRB. What is real is the review itself: a licensed Pembroke producer reads your actual rating worksheet and loss runs with you and tells you plainly whether anything looks wrong.
Built for the trade, not for a form.
Built for plumbers
Questions written around service and repair, sewer and drain, gas lines, and new construction, not a generic contractor template.
Easy digital application
One mobile-friendly application, saved as you go, instead of a stack of ACORD forms emailed back and forth.
Less paperwork at renewal
Your information carries forward. Certificates, policies and renewal dates stay in one place you can reach from the truck.
Contractor-relevant options
Coverage choices framed around the contract language GCs actually require, including additional insured and umbrella limits.
Licensed professional support
Pembroke Insurance Solutions is the licensed agency behind Plumbers Pro. A licensed producer reviews submissions and is available when you want a person.
Straight answers
We say what a policy does and does not do. No savings claims we can't support and no instant-quote promises we can't keep.
Ready to simplify your business insurance?
Start the application now. It saves as you go, so you can finish it tonight or between calls tomorrow.