Operations this guide may include
- Residential and commercial plumbing service
- New construction and renovation plumbing
- Drain, sewer, and water-line work
- Water-heater, gas-line, and mechanical-system installation
Questions that shape the conversation
Insurance markets evaluate the complete operation. These are examples of details that can materially affect the available path.
- What percentage of work is service, remodel, or new construction?
- Are gas lines, fire-suppression systems, hot work, or excavation involved?
- Does the business perform drain cleaning, sewer work, or emergency response?
- How are water shutoff, testing, and customer signoff documented?
Coverage topics to discuss
General liability
Operational and completed-work exposures, including potential water-damage claims.
Contractor equipment
Tools, sewer cameras, machinery, and mobile equipment used in the field.
Commercial auto
Service vehicles, trailers, drivers, and business-use exposures.
Workers compensation
Employee injury considerations involving lifting, confined spaces, tools, and jobsites.
Information worth preparing
- Service, project, and customer-type breakdown
- Licenses, employee experience, and safety procedures
- Payroll, subcontractor cost, vehicle, and tool schedules
- Contracts, largest jobs, and loss runs
This guide provides general educational information, not legal, tax, or insurance advice. Coverage availability, eligibility, limits, exclusions, and pricing vary by applicant, insurer, policy, and state.