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Industries · Contractors

Insurance for plumbing contractors.

General liability, workers’ comp, commercial auto, and tools, for residential and commercial plumbers, with water damage coverage that is not quietly capped.

A few quick questions, then we send you your price. Many trades get it in minutes.

What plumbers usually carry

  • General liability, $1M / $2M
  • Workers’ comp
  • Commercial auto
  • Tools and equipment
  • Installation floater
  • Umbrella

Watch for these in a plumbing policy

  • Water damageWater damage is the biggest plumbing claim. Some policies cap it at a low limit or exclude it outright. Check yours.
  • MoldMold that follows a leak you worked on is often excluded or limited.
  • Hot workSoldering and brazing can fall under hot work rules on commercial jobs.
  • Your subcontractorsMany policies require certificates from every sub you hire, and uninsured subs get charged at audit.

What GCs and owners ask plumbers for

  • Additional insuredFor ongoing and completed operations, CG 20 10 and CG 20 37.
  • Waiver of subrogationCG 24 04 on general liability, plus workers’ comp and auto.
  • Primary and noncontributoryYour policy pays first, before the GC’s own.
  • UmbrellaCommercial jobs often require $1M to $5M on top.

Questions plumbers ask

Straight answers.

The questions we hear most, answered plainly.

How is plumbing insurance priced?

General liability is priced on your revenue or payroll, your mix of residential and commercial work, your years in business, and your claims.

Does general liability pay to fix the pipe I installed?

It covers damage your work causes to other property. Repairing or redoing your own work is usually not covered.

How fast can I get a certificate?

Once your policy is bound, you request certificates from your client login, with the wording your contract asks for.

Can I pay monthly?

Yes. Most policies can be paid in full or monthly.

Contractors and trades

Don’t see yours? See every industry, or tell us what you do and we’ll quote it.

HVAC

General liability, $1M / $2M, Workers’ comp, Commercial auto

Landscaping

General liability, $1M / $2M, Workers’ comp, Commercial auto

Framing

General liability, $1M / $2M, Workers’ comp, Commercial auto

Finish carpentry and millwork

General liability, $1M / $2M, Workers’ comp, Commercial auto

Concrete

General liability, $1M / $2M, Workers’ comp, Commercial auto

Drywall

General liability, $1M / $2M, Workers’ comp, Commercial auto

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