Source: Carrier website and product data
Insureon: Plumbing Contractors Insurance Appetite
Insureon explicitly targets construction as a focus segment. As a marketplace, Insureon 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
$4,000-$25,000
Typical annual premium
Target States
All 50 states + DC
Key Features
- Workers’ Compensation Insurance program – Covers employee medical bills and lost wages for work-related injuries and illne for plumbing contractors class codes
- Insureon offers completed operations coverage for water damage claims that surface months after installation
- Insureon offers tools and equipment floater for job-site theft protection
- Insureon offers competitive experience mod-based pricing for clean WC accounts
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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