Texas State Board of Plumbing Examiners Certificate of Insurance Guide

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If you’re a plumbing contractor or business owner in Texas, youโ€™ve likely heard about the Texas State Board of Plumbing Examiners Certificate of Insuranceโ€”but do you know exactly what it is, why itโ€™s required, and how to get one without delays? Many plumbers run into compliance issues simply because they underestimate this critical document. In this guide, weโ€™ll walk you through everything you need to know to secure your Certificate of Insurance (COI) quickly, correctly, and in full compliance with state regulations.


What Is the Texas State Board of Plumbing Examiners Certificate of Insurance?

The Texas State Board of Plumbing Examiners (TSBPE) requires licensed plumbing contractors to maintain liability insurance and submit proof via a Certificate of Insurance (COI). This document verifies that your business carries the minimum required general liability coverageโ€”currently $300,000 per occurrenceโ€”to protect clients, property, and yourself in case of accidents or damages.

Without a valid COI on file, your plumbing license may be suspended or not renewed. According to TSBPEโ€™s 2024 compliance report, over 12% of license renewal denials were directly tied to missing or invalid insurance documentation.

๐Ÿ’ก Pro Tip: The COI isnโ€™t just paperworkโ€”itโ€™s your professional safety net. Think of it as proof youโ€™re serious about responsible, reliable service.


Why Is a Certificate of Insurance Required in Texas?

The requirement stems from Texas state law (Texas Occupations Code, Chapter 1301), which mandates that all licensed plumbing contractors carry general liability insurance. The TSBPE enforces this to:

  • Protect consumers from financial loss due to property damage or injury.
  • Ensure contractors can cover liabilities without shifting costs to homeowners.
  • Maintain industry standards and public trust in licensed professionals.

According to the Texas Department of Licensing and Regulation (TDLR)โ€”which now oversees TSBPE functions after its 2021 sunset and 2023 reinstatementโ€”insurance verification is a top priority in license audits.

๐Ÿ“Œ Note: As of 2023, the TSBPE was re-established under House Bill 1520, but licensing and compliance are still administered through TDLR systems during transition. Always check TDLRโ€™s official plumbing page for the latest updates.

Texas State Board Of Plumbing Examiners Certificate Of Insurance

Who Needs to Submit a Certificate of Insurance?

You must submit a COI if you hold any of the following TSBPE licenses:

  • Master Plumber
  • Journeyman Plumber (with a business license)
  • Plumbing Inspector
  • Plumbing Contractor (business entity)

Important: Sole proprietors operating under their personal license and doing work under $1,000 may be exempt, but if you advertise as a business or employ others, insurance is almost always required.


Step-by-Step: How to Obtain & Submit Your COI

Follow these exact steps to ensure your submission is accepted on the first try:

Step 1: Contact a Licensed Insurance Provider

Work with an insurer licensed in Texas that offers general liability insurance for contractors. Popular providers include:

  • Hiscox
  • Next Insurance
  • Progressive Commercial
  • The Hartford

Ensure your policy meets TSBPEโ€™s minimums:

  • $300,000 per occurrence
  • $300,000 aggregate (some insurers offer higher; thatโ€™s fine)
  • Must name โ€œTexas State Board of Plumbing Examinersโ€ as the certificate holder

Step 2: Request the Certificate of Insurance

Ask your insurer to issue a COI with the following details:

  • Your full legal business name (as registered with TSBPE)
  • TSBPE license number
  • Policy effective and expiration dates
  • Coverage limits clearly stated
  • Cancellation notice clause (typically 10โ€“30 days)

โœ… Best Practice: Request that your insurer sends the COI directly to TSBPE via email (plumbing@tdlr.texas.gov ) to avoid processing delays.

Step 3: Submit Through the TDLR Online Portal

Even if your insurer sends it, you must also upload a copy in your TDLR license dashboard:

  1. Log in to TDLRโ€™s MyLicense portal
  2. Go to โ€œManage Licensesโ€ โ†’ Select your plumbing license
  3. Upload the COI under โ€œInsurance Documentsโ€
  4. Confirm submission and save the confirmation number

Step 4: Monitor Expiration & Renew Early

TSBPE requires continuous coverage. Set a calendar reminder 30 days before expiration to renew your policy and submit a new COI.


Common Mistakes That Cause COI Rejection

Avoid these frequent errors that lead to license holds:

Missing TSBPE as certificate holderNot valid for licensingAdd โ€œTexas State Board of Plumbing Examinersโ€ as the certificate holder
Policy below $300kFails minimum requirementUpgrade coverage or switch insurers
Expired or future-dated COINot current coverageSubmit only active policies
Business name mismatchDoesnโ€™t match licenseUse exact legal name from TSBPE records

How Long Does It Take to Process?

Once submitted correctly, TSBPE (via TDLR) typically processes COIs within 3โ€“5 business days. However, during peak renewal seasons (Octoberโ€“December), allow 7โ€“10 days.

โฑ๏ธ Real-World Example: In a 2024 case study, Austin-based plumber โ€œRio Plumbing Co.โ€ had their license renewal delayed by 18 days due to a COI naming error. After correction, approval took just 2 days.


What Happens If You Donโ€™t Have a Valid COI?

Operating without valid insurance can result in:

  • License suspension
  • Fines up to $500 per violation
  • Ineligibility for new permits or contracts
  • Personal liability for damages (no insurance = you pay out of pocket)

The TSBPE conducts random audits and cross-checks with insurers. Donโ€™t risk it.


Certificate of Insurance vs. Bond: Whatโ€™s the Difference?

Many confuse the COI with a surety bond, but they serve different purposes:

PurposeCovers accidents/damagesGuarantees contract performance
Required by TSBPE?โœ… Yes (for most licenses)โŒ No (not currently required)
Cost$300โ€“$1,200/year$100โ€“$300/year
Protection ForClients & publicClients only

๐Ÿ” Learn more about contractor protections on Wikipediaโ€™s page on surety bonds .


FAQ: Texas State Board of Plumbing Examiners Certificate of Insurance

Q1: Can I use my homeownerโ€™s or auto insurance as proof?

No. Only a commercial general liability policy specific to plumbing work is accepted. Personal policies exclude business activities.

Q2: Do I need insurance if Iโ€™m an employee plumber (not a business owner)?

No. Only licensed contractors who operate a business or hold a contractor license must submit a COI. Employees covered under a company policy donโ€™t need individual COIs.

Q3: Can I submit a COI after my license expires?

You can, but your license will remain inactive until the COI is approved. You cannot legally perform plumbing work during this time.

Q4: Is workersโ€™ compensation insurance required?

Not by TSBPEโ€”but if you have employees, Texas law strongly recommends it (and some cities require it for permits). Itโ€™s separate from your COI.

Q5: How do I verify my COI was received?

Log into your TDLR MyLicense account and check the โ€œDocumentsโ€ tab. Youโ€™ll see a status: โ€œReceived,โ€ โ€œPending,โ€ or โ€œRejected.โ€

Q6: Can I get a temporary COI for license renewal?

Yesโ€”many insurers issue short-term policies (30โ€“90 days). Just ensure it covers the renewal period and meets $300k minimums.


Conclusion

Securing your Texas State Board of Plumbing Examiners Certificate of Insurance isnโ€™t just a bureaucratic stepโ€”itโ€™s a mark of professionalism, protection, and compliance. By following the steps above, youโ€™ll avoid costly delays, keep your license active, and build trust with every client you serve.

โœ… Ready to stay compliant?
Double-check your policy today, submit your COI, and sleep easy knowing youโ€™re covered.

๐Ÿ’ฌ Found this guide helpful? Share it with fellow plumbers on Facebook, LinkedIn, or your local trade groupโ€”because in Texas, great plumbing starts with great preparation!

Stay licensed. Stay insured. Stay in business.

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