Source: Carrier website and product data
BTIS: Plumbing Contractors Insurance Appetite
BTIS can write plumbing contractors accounts but this is not a focus segment – best used when the account has other lines already placed with BTIS or when primary markets have declined. As an MGA, BTIS can access multiple carrier panels – helpful when the plumbing contractors account has unusual exposures that standard markets decline. 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
$5,200-$25,000
Typical annual premium
Target States
Most states (varies by carrier)
Key Features
- Workers' Comp program – Workers' compensation coverage through multiple A-rated carriers for constructio for plumbing contractors class codes
- BTIS provides completed operations coverage for water damage claims that surface months after installation
- BTIS provides tools and equipment floater for job-site theft protection
- BTIS provides competitive experience mod-based pricing for clean WC accounts
Limitations
- Plumbing Contractors is not a target class for BTIS – expect longer underwriting timelines and less flexible eligibility
- Asbestos abatement and mold remediation work is typically excluded – needs separate environmental policy
- Underground utility boring and directional drilling may face underwriting restrictions
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