Source: Carrier website and product data
Auto-Owners Insurance: Plumbing Contractors Insurance Appetite
Auto-Owners Insurance explicitly targets contractors as a focus segment. Water damage from faulty installation is the #1 claim — completed operations limits should match largest project value
Available Lines
| Line of Business |
|---|
| General Liability |
| Commercial Property |
| Workers' Compensation |
| Commercial Auto |
| Umbrella/Excess |
| Inland Marine |
Premium Range
$4,000-$25,000
Typical annual premium
Target States
26 states (Midwest, Southeast, Mid-Atlantic)
Key Features
- Contractor Insurance program — Specialized coverages and custom policies to fit the unique needs of every contr for plumbing contractors class codes
- Workers' comp for 5-30 employees with experience mod-based pricing
- Auto-Owners Insurance offers completed operations coverage for water damage claims that surface months after installation
- Auto-Owners Insurance offers tools and equipment floater for job-site theft protection
Limitations
- Asbestos abatement and mold remediation work is typically excluded — needs separate environmental policy
- Underground utility boring and directional drilling may face underwriting restrictions
- New construction plumbing over $5M project value often requires large commercial placement
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