PreferredVerified Q1 2026
Source: Carrier website and product data
GUARD Insurance: Plumbing Contractors Insurance Appetite
GUARD Insurance explicitly targets artisan 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 |
Premium Range
$4,000-$25,000
Typical annual premium
Target States
All 50 states + DC
Key Features
- Workers’ Compensation program – Covers medical expenses and lost wages from job-related injuries/illnesses with for plumbing contractors class codes
- GUARD Insurance offers completed operations coverage for water damage claims that surface months after installation
- GUARD Insurance offers tools and equipment floater for job-site theft protection
- GUARD Insurance offers competitive experience mod-based pricing for clean WC accounts
- Online quoting available – agents can get plumbing contractors quotes without calling underwriting
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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