Commercial
Coverage built for plumbers working backflow testing contracts, commercial properties, and food service accounts — where the liability bar is higher and public water safety is on the line.
A large share of commercial plumbing revenue comes from recurring backflow prevention testing — required annually by most municipal water utilities to protect the public water supply from contamination. These contracts carry a distinct liability dimension: get a test wrong or miss a required inspection, and the exposure isn't just property damage, it's a potential public health issue tied directly to your certification.
Beyond a baseline certificate, commercial property clients typically want specific protections in place before work starts.
Covers third-party bodily injury and property damage on the properties you service — a fixture failure floods a tenant space below, a crew member is injured on site, or a sewer line repair damages adjacent property.
Property management companies and GCs expect to be added to your policy as an additional insured before work starts — the exact legal entity, not a generic description.
Common on commercial contracts — your carrier agrees not to pursue the property owner to recover a paid claim, even if they share some fault.
Grease trap service, floor drain maintenance, and sewer line work in commercial kitchens carry a distinct exposure — a grease trap failure or sewage backup in a food service environment raises health code and contamination questions that go beyond ordinary property damage. See our GL page for how this kind of claim gets handled. Tell us if this is a regular part of your commercial work.
Larger commercial accounts and multi-property management companies increasingly require $2M/$4M limits instead of the $1M/$2M that satisfies most smaller jobs, particularly for backflow testing contracts tied to public water systems. See our certificate of insurance page for what these accounts specifically check.
Once you bind coverage, your certificate of insurance is issued instantly — ready to send to a property manager or GC the same day a new contract requires it. See our cost breakdown for what commercial-scale coverage typically runs.
Get your free quote
Our licensed agents build your custom quote — typically same business day.
Related Coverage
FAQ
Yes — an improperly performed or missed backflow test connects directly to public water supply safety, which is a different liability dimension than typical property damage claims from service work.
The underlying GL policy is similar, but commercial work often carries higher liability exposure, higher required limits, and specific endorsement requirements like waiver of subrogation that residential jobs rarely ask for.
Not necessarily a separate policy, but it's worth flagging to your carrier since sewage backup or grease trap failure in a food service environment can raise contamination and health code questions beyond typical property damage.
Often yes — municipal water utility contracts and larger commercial properties frequently require $2M/$4M given the public water supply connection. We can quote both limit levels.
Yes. Most plumbers who do both types of work carry a single policy that covers everything — just let us know the mix so we can rate it accurately.
Tell us which properties and contract types you work with — our agents will structure your policy and certificate language to match.