Plumbers Insurance is essential if you run your own business. As you are in the plumbing business you will go into people's home and do work for them. In the event that something should go wrong due to work by you or a employee in your business. If someone should get hurt then they would want to claim liability damages. Without Plumbers Insurance you would have to find this money yourself. However if you have a policy then it would generally include public liability insurance. Liability insurance would also work in your favor as it would also provide you with coverage for those you trade with. For example if you were to place an order of a substantial sum for materials and you never got them you would probably be able to make a claim on the policy and get back your losses.