Get plumbers insurance coverage
Whether you’re an independent contractor or commercial plumbing business, your work can affect water supply, drainage, fixtures, appliances, and surrounding property. Plumbers insurance from Navacord helps protect your assets if something goes wrong and you face liability claims.
FROM SERVICE CALLS TO NEW CONSTRUCTION
Keep your plumbing business flowing
A plumbing business may handle emergency repairs, renovations, new construction, and complex commercial projects. Our deep industry expertise means we consider the full range of your work, including where you operate, the equipment you use, and whether you employ staff or subcontract work, to make sure your business stays protected against a variety of job-related risks.
SPECIALIZED ADVICE FOR PLUMBING CONTRACTORS
Details matter when water damage is involved
A plumbing claim may involve work completed months earlier, several contractors, and damage beyond the immediate work area. At Navacord, we understand the unique needs of plumbing contractors and the complex contractual dealings that are part of your business. Our specialized in-house team can craft a policy based on your unique risk level, business type, and any special coverage requirements, from property coverage to extensive plumbers liability insurance.
Who we help
Our national team advises plumbing businesses serving homeowners, commercial clients, institutions, builders, and industrial operations. Businesses can choose coverage ranging from independent contractors to companies with employees, vehicles, and multiple crews.
Insurance for plumbing installations, renovations, fixture replacements, water heaters, maintenance, and repairs in residential properties.
Coverage for contractors working in offices, retail buildings, multi-unit properties, institutions, and other commercial facilities.
Protection for businesses responding to leaks, blockages, equipment failures, and scheduled maintenance calls.
Insurance for rough-ins, piping systems, fixtures, and equipment installed during residential or commercial construction projects.
Coverage for drain cleaning, sewer inspection, water service, and related work using specialized tools or equipment.
Insurance for eligible piping installations, repairs, and maintenance performed in manufacturing or other industrial environments.
Our plumbers insurance expertise
Our advisors understand the liability, equipment, and contractual considerations that distinguish plumbing businesses from other trades, whether your work involves installations, renovations, fixture replacements, maintenance, or repairs for residential and commercial properties.
Our dedicated experts understand complex, plumbing-specific exposures, from multi-unit water damage to backflow and cross-connection incidents.
Our relationships with leading insurance providers let us secure highly competitive rates and custom policy extensions that smaller, independent brokers cannot access.
Our plumbers insurance solutions range from professional liability and property damage to specialized tools, equipment, and installation floaters.
From hidden leaks to installation issues, we advocate on your behalf when a claim arises, helping you navigate the process quickly and with minimal disruption.
COVERAGE FOR PLUMBING BUSINESSES
Key plumbers insurance coverage
The right insurance depends on your services, project values, equipment, vehicles, and contracts. Your advisor can recommend coverage options and explain the applicable limits, deductibles, conditions, and exclusions.
Commercial general liability
Commercial general liability insurance can cover eligible third-party bodily injury and property damage claims arising from your plumbing operations. Coverage may include legal defence costs and claims involving completed work.
Contractors’ errors and omissions insurance
Your CGL policy typically excludes the cost of repairing or replacing your own faulty work. E&O insurance for plumbers helps fill that gap if a client claims that your plumbing work or installation was defective and needs to be corrected.
Commercial auto and fleet insurance
Commercial auto insurance covers vehicles used in your plumbing business. Options may include third-party liability and physical damage coverage for individual service vehicles or fleets.
Commercial property insurance
Commercial property insurance can protect your shop, office, inventory, furnishings, and other contents against insured losses. Tools used away from your premises may need separate coverage.
Business interruption insurance
If insured property damage forces your business to reduce or temporarily stop operations, this coverage can help replace lost income and pay eligible continuing or additional expenses.
Pollution liability insurance
Plumbing work involving wastewater, sewage, fuel, chemicals, or contaminated materials may create environmental exposures. Pollution liability can address certain cleanup costs and third-party claims, subject to the policy.
Tools and equipment floater
This coverage can protect portable tools and diagnostic equipment at your premises, in transit, or at a job site. Theft coverage may be subject to specific security requirements and limits.
Contractors equipment floater
Larger mobile equipment, such as drain-cleaning machines, pumps, and compact excavation equipment, may require contractors equipment coverage against insured physical loss or damage.
Installation floater
An installation floater can cover piping, fixtures, fittings, appliances, and other materials intended for installation while they are being transported, temporarily stored, or kept at a project site.
FAQs about plumbers insurance
Plumbers insurance may combine commercial general liability, tools and equipment, installation materials, commercial property, vehicles, and business interruption coverage. The specific package will depend on the services your business provides.
Liability insurance may respond to covered third-party damage caused by hot work, depending on the policy terms and exclusions. Insurers may also require documented fire-prevention procedures, appropriate extinguishing equipment, and post-work monitoring.
Commercial general liability insurance may cover accidental water damage to third-party property arising from insured plumbing operations, but it may not cover the cost of correcting defective work itself.
Coverage for specialized tools and equipment stolen from a vehicle typically requires a tools and equipment floater, which can provide replacement costs and get you back on the job faster
Premiums are influenced by your services, revenue, payroll, employees, subcontractors, project types, operating area, equipment values, vehicles, claims history, coverage limits, and deductibles. An advisor will need current business information to prepare a quote.
