Source: Carrier website and product data
Coterie Insurance: Plumbing Contractors Insurance Appetite
Coterie Insurance explicitly targets artisan / trade contractors (max 15 employees, max $5m revenue) as a focus segment. Fully digital quoting and binding process – Coterie Insurance's platform is designed for fast turnaround on small plumbing contractors accounts. 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 |
Premium Range
$4,000-$25,000
Typical annual premium
Target States
All 50 states + DC
Key Features
- Plumbing Contractors class is a target class with competitive pricing
- Coterie Insurance offers completed operations coverage for water damage claims that surface months after installation
- Coterie Insurance offers tools and equipment floater for job-site theft protection
- Online quoting available – agents can get plumbing contractors quotes without calling underwriting
Limitations
- No commercial auto available – must be placed separately for plumbing contractors accounts with vehicles
- No workers' compensation available – agents need a separate WC carrier for plumbing contractors employees
- Asbestos abatement and mold remediation work is typically excluded – needs separate environmental policy
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