Commercial Plumbing
Coverage built for plumbers working in office buildings, restaurants, multi-family properties, and commercial tenant build-outs. The certificates and endorsements your GCs and property managers require — handled fast.
Commercial plumbing work carries different risks than a residential service call. You're working in occupied buildings with tenants and customers present, tying into building-wide systems, coordinating with other trades, and often under contract with GCs or property managers who have specific insurance requirements. Generic business insurance often falls short of what the job actually requires.
The foundation of any commercial plumbing program. Covers third-party bodily injury and property damage — a shutoff valve fails mid-repair and floods a tenant space, a worker from another trade trips over your equipment, or a fixture you're servicing damages surrounding property. Most commercial contracts require a minimum of $1M/$2M, and many require $2M/$4M for larger projects.
Commercial properties often have multiple tenants and shared systems, which means a leak from work you completed weeks ago can affect units you never touched. Completed operations coverage is essential for any plumber doing tenant build-outs, restaurant work, or multi-family service.
General contractors and property managers almost always require to be named as additional insured on your policy. A blanket additional insured endorsement covers any GC or owner you work for without having to add them one by one — making certificate production fast and easy.
Many commercial contracts require a waiver of subrogation, which prevents your insurance carrier from pursuing recovery from the GC if they pay a claim on your behalf. This is a standard endorsement we can add to your policy.
Your jetters, pipe threaders, drain cameras, and pumps travel from job to job. Inland marine coverage protects them whether they're on the job site, in your truck, or in a storage unit. Standard GL doesn't cover your own equipment.
Some GC and property management contracts require your insurance to be primary and non-contributory, meaning your policy responds first before any other coverage. This is an endorsement we can add when required by contract.
If you service restaurants — grease traps, backflow devices, or kitchen plumbing — expect property managers to ask for higher limits and specific endorsements given the fire, health-code, and contamination exposure involved. Tell us about this work and we'll make sure your policy matches it.
Commercial plumbing work almost always requires a certificate of insurance before you can mobilize. Once you bind coverage with us, your COI is issued instantly — ready to send to your GC or property manager the same day you need it.
Most commercial plumbing projects require a minimum of $1M per occurrence and $2M aggregate in general liability. Larger commercial projects, multi-family portfolios, and government contracts may require $2M/$4M. We can quote both and help you match your coverage to your contract requirements.
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Our licensed agents build your custom quote — typically same business day.
FAQ
Most commercial contracts require a minimum of $1M per occurrence / $2M aggregate. Larger projects and government contracts often require $2M/$4M. We can quote both.
No — it works the other way. Your GC requires you to name them as additional insured on your policy, not the other way around. A blanket additional insured endorsement covers all your GCs automatically.
A waiver of subrogation prevents your carrier from pursuing recovery from your GC after paying a claim. Many commercial contracts require it. We can add it to your policy.
Your COI is issued instantly once you bind coverage. Same-day coverage is typically available, so you can often get a COI the same day you need it.
Yes. We can write coverage that accounts for your employees and subcontractors. Tell us your setup on the quote form and we'll structure the coverage accordingly.
Licensed agents build your custom quote — typically same business day. Review, enroll, and get your COI instantly.