LimitedVerified Q1 2026
Source: Carrier website and product data
Hiscox: Plumbing Contractors Insurance Appetite
Hiscox can write plumbing contractors accounts but this is not a focus segment – best used when the account has other lines already placed with Hiscox or when primary markets have declined. 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
$6,000-$30,000
Typical annual premium
Target States
All 50 states
Key Features
- Workers Compensation Insurance program – Protection for employees who are injured or become ill on the job, covering medi for plumbing contractors class codes
- Hiscox provides completed operations coverage for water damage claims that surface months after installation
- Hiscox provides tools and equipment floater for job-site theft protection
- Hiscox provides competitive experience mod-based pricing for clean WC accounts
- Online quoting available – agents can get plumbing contractors quotes without calling underwriting
Limitations
- Plumbing Contractors is not a target class for Hiscox – 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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