Industries · Plumbing
Plumbing Contractor Insurance
Water damage claims are among the most common issues plumbers face, and they can surface long after a job is done. KTL can help plumbing businesses review general liability, workers' comp, and vehicle options and understand how policy wording treats completed work.
Get a Plumbing QuoteExposures to think about
- Water damage to a customer's property alleged to result from a leak or failed fitting.
- Excavation, trenching, or sewer line work that may need specific review.
- Employee injuries in crawlspaces, trenches, and confined spaces.
- Service trucks carrying jetters, cameras, and pipe tools.
Coverage options to discuss
Contractors General Liability
General liability is usually the first policy a client, general contractor, or property manager asks to see. It is designed to respond to claims that your work or operations caused bodily injury or property damage to someone else, subject to the policy's terms, limits, and exclusions.
Contractors Workers' Compensation
Workers' compensation is designed to provide benefits to employees who are injured on the job, as defined by state law and the policy. Most states require it once you have employees, and many general contractors require proof of it from their subcontractors.
Commercial Auto & Work Trucks
If your trucks, vans, or trailers are titled to the business, carry tools and materials, or are driven by employees, commercial auto is the policy designed for that use. It can include liability, physical damage, and other coverages depending on what you select.
Tools & Equipment Insurance
Your tools travel with you, and a general liability policy is not designed to cover your own property. Tools and equipment coverage — often written as an inland marine or contractor's equipment floater — can cover your gear on job sites, in transit, and in storage, subject to the policy terms.
Commercial Umbrella & Excess Liability
Larger contracts often require liability limits higher than a primary policy provides. A commercial umbrella or excess liability policy can add limits above specified underlying policies, such as general liability, auto liability, and employer's liability.
Practical questions we'll ask
- Do you perform excavation, trenching, or sewer and water main work?
- Do you do gas line or boiler work?
- Is your work primarily service and repair or new construction?
- What equipment do you carry that is worth more than a few thousand dollars?
Your answers help an agent understand which markets may be a fit. Not every plumbing business qualifies with every carrier, and some operations require additional underwriting review.
Coverage availability, eligibility, limits, and pricing are subject to underwriting and policy terms. Requesting a quote does not bind coverage.
Ready to review your coverage?
Tell us about your business. A KTL agent will review your information and follow up about available options.