Estimated Cost (2026)
Adjust based on your team size
Just me (1)Team (20)
$1391-$2046
Estimated Annual Premium
Monthly Average Breakdown
$136 / mo
Includes General Liability
Industry Risk Profile
Plumbers face a higher risk of property damage (e.g., burst pipes and water damage), which generally results in higher general liability rates.
Risk Factor1.5x
Location Factors
- State Base Rate$1020
- Providence Multiplier1x
- State Tax Rate7.0%
Local Compliance FAQ
Is General Liability required in Providence?
While Rhode Island law may not mandate it for all businesses, Plumbers often need proof of insurance to bid on local commercial projects in Providence.
Why is the rate different here?
Your premium reflects Rhode Island's specific base rate of $1020 and a local city multiplier of 1x.
Compare Plumber Insurance in Other Rhode Island Cities
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