Commercial industry
Plumbing Contractor Insurance
Plumbing claims are water. A supply line you touched last spring, a sewer backup blamed on your machine, a slab leak after a remodel — completed operations and care of the building you opened up are the file. Service vans, tools, and a license bond sit beside the GL.
We place licensed plumbing contractors on service and new-construction work. Washington L&I remains for WA-situs plumbers; we place stop-gap and competitive-state WC. Excavation for underground utilities needs to be disclosed.
Risks we actually schedule
- Water-damage completed-operations claims months after you left.
- Sewer backup and limited pollution from a line you opened.
- Service-van and stolen-tools claims.
- Permit-desk additional-insured and bond requirements.
Frequently asked questions
Will my GL pay for a slab leak two years later?
Completed operations is built for that timeline, subject to the policy that was in force when the damage occurred (occurrence form) and to work-product exclusions. Continuous coverage matters.
Do I need pollution coverage for drain work?
A backup or a sewage release can hit the GL pollution exclusion. We discuss a limited jobsite or contractors-pollution add on shops that open lines all day.
New construction vs. service — one policy?
Yes, with both operations described. New construction is a GC-certificate story; service is a van and a completed-ops story.
Related coverage, industries, and locations
General Liability
Third-party injury, property damage, and products/completed-operations protection for shops, offices, and jobsites.
Coverage detailsInland Marine
Tools, equipment, cargo, installation jobs, and property that moves — the coverage a building policy leaves behind.
Coverage detailsCommercial Auto
Owned, hired, and non-owned vehicles — work vans, box trucks, service bodies, trailers, and company cars.
Coverage detailsSurety Bonds
License and permit bonds, contract bonds, and business service bonds for trades and service companies.
Coverage detailsHVAC Contractor
Install and service GL, refrigerant and rooftop work, vans, and a license bond.
Industry pageCommercial General Contractor
GL, builders risk, auto, surety, and multi-state WC/stop-gap for commercial GCs — not a handyman policy.
Industry pageExcavation Contractor
Underground GL, rented equipment, pollution, and a honest conversation about depth and utilities.
Industry pageWashington
Licensed commercial insurance broker serving Washington.
State page