Question 1

Does my general liability cover water damage I cause to a customer's property?

Accepted Answer

Typically yes for resulting damage to the customer's other property — the ruined ceiling, flooring, and contents below a failed connection. What is usually not covered is the cost of redoing your own faulty work itself; that is the classic "your work" exclusion found on standard general liability forms. Exact scope depends on your form and endorsements, so we walk through that distinction before you bind rather than after a loss.

Question 2

Is soldering and torch work covered?

Accepted Answer

It depends on the carrier. Hot work is a recognized fire exposure and some general liability forms restrict or exclude it, or require specific safety procedures such as fire watch. Since most plumbers do some torch work, tell us your actual practices up front — it determines which markets we approach and keeps the exclusion from being a surprise at claim time.

Question 3

Does new construction cost more to insure than service work?

Accepted Answer

Usually it is rated differently rather than simply costing more. New-construction plumbing carries larger completed-operations and general-contractor contractual exposure, while service and repair puts you inside occupied buildings with more frequent, smaller water claims. Carrier appetite splits along that line, so we ask for your revenue mix — it drives both classification and which markets will compete for the account.

Insurance for Plumbing Contractors

Understanding plumbing contractor industry risks.

What we cover.

Related commercial coverage

General Liability

Workers Compensation

Professional Liability

Commercial Property

Surety & Fidelity Bonds

Need help choosing the right coverage?

Plumbing Contractor insurance, answered.

Licensed across the Gulf Coast.