Plumber Insurance Lynnwood & Washington State | Hood Insurance Agency
Specialized Insurance for Plumbers in Lynnwood and Across Washington
From residential service calls to major commercial installs, Hood Insurance Agency provides the specific coverage Washington plumbers need to stay compliant and protected.
Navigating the Washington L&I Wilderness
Navigating L&I rules in Washington can feel like trying to find a leak in a slab—it's messy and usually more expensive than it should be. Since the laws changed in 2021, the "Plumbing Specialty" registration is gone. No exceptions.
The General Contractor ($30,000 Bond): You need the big bond the moment you do two things:
Work in two or more unrelated trades (e.g., you’re doing the plumbing, the framing, and the flooring for a bathroom remodel).
Hire a subcontractor. If you are the one hiring an electrician or a cabinet guy to help finish the job, you are legally a General Contractor.
Most of the Lynnwood plumbers in the Pack carry both the plumbing license and the general contractor registration so they can bid the whole project without L&I breathing down their necks. We make sure both your licenses are bonded and your certificates are filed correctly, so you can focus on the job site instead of the paperwork.
Why We Don't Do "Small" Insurance
You might see other guys offering a $250,000 liability limit because that’s the technical "floor" in Washington. Around here, we consider that the insurance equivalent of a cheap plastic wrench—it’s going to fail you exactly when you need it most.
We don't offer anything below $1,000,000. It's not because we like big numbers; it’s because most general contractors and commercial property managers won’t even let you on the job site without a million-dollar policy. Besides, once you account for carrier minimum premiums, the price difference between "barely covered" and "actually protected" is usually about the cost of a decent lunch. We’d rather see you protected from a six-figure water damage claim than save you three dollars a month.
The Stop-Gap Safety Net
Since Washington is a monopolistic state, your standard L&I payments are great for medical bills, but they leave a giant, wolf-sized hole when it comes to employee lawsuits. We bridge that gap with stop-gap liability. It’s the backup plan you hope to never use, but in the rare event an employee decides to test the legal waters, you’ll be glad you have the full weight of the Pack behind you.
Protection for the Messy Reality of Plumbing
Standard, off-the-shelf insurance is usually about as effective as a screen door on a submarine. It sounds fine until things get deep. At Hood Insurance, we build policies that actually account for the fact that your job involves high-pressure water and expensive equipment.
If a soldered joint decides to give up the ghost six months after you’ve cashed the check, you don't want to be left staring at a dry bank account. We make sure your completed operations coverage is solid, protecting you from claims that crawl out of the woodwork long after you’ve moved on to the next job.
We also know that your van is basically a rolling vault. Between your drain cameras, snakes, and PEX tools, you’re likely hauling more value than a small jewelry store. We use inland marine coverage (a confusing name for "tool insurance") to make sure that if some stray wolf decides to break into your van or a fender bender tosses your gear around, you aren't paying for the replacements out of your own pocket. And because a service truck loaded with copper and iron doesn't stop on a dime, we tailor your commercial auto policy for the actual weight you’re carrying—not just the base model specs.
Finally, for the truly "special" days involving sewage backups or chemical spills, we can layer in pollution liability. It’s the difference between a minor headache and an environmental cleanup bill that could haunt your business for years.
Why Plumbers Run with The Pack
We aren't a 1-800 number managed by a guy in a cubicle who thinks Lynnwood is a type of flooring. We’re your neighbors. When a general contractor is breathing down your neck for a Certificate of Insurance so you can actually get on the job site, you don’t want to wait 48 hours for a call center to wake up. We get your paperwork out the door fast, because we know that in this business, if you aren't on-site, you aren't getting paid.
We understand the specific risks of working in Snohomish and King Counties—from the local building codes to the unique "charms" of Pacific Northwest weather. And if a claim does happen, you don’t call a generic hotline; you call us. We handle the advocacy so you can get back to the pipes.
Don't Let a Leaky Pipe Sink the Business
You’ve spent years building a reputation for quality work. Don't let one failed fitting or a stolen trailer take it all away. Join the hundreds of Washington contractors who trust the Hood Insurance Agency to keep watch over their tools, their teams, and their livelihoods.
Serving the Pacific Northwest
While our den is in Lynnwood, we protect plumbers in Edmonds, Everett, Seattle, Shoreline, Bellevue, and across the entire State of Washington.