Source: Carrier website and product data
Kinsale Capital: Plumbing Contractors Insurance Appetite
Kinsale Capital writes plumbing contractors at standard terms for clean 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 |
| Commercial Auto |
| Umbrella/Excess |
Premium Range
$4,600-$30,000
Typical annual premium
Target States
All 50 states + DC
Key Features
- Plumbing Contractors class is accepted with standard pricing
- Kinsale Capital provides completed operations coverage for water damage claims that surface months after installation
- Kinsale Capital provides tools and equipment floater for job-site theft protection
- Kinsale Capital provides competitive experience mod-based pricing for clean WC accounts
- Online quoting available — agents can get plumbing contractors quotes without calling underwriting
Limitations
- 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
- Underground utility boring and directional drilling may face underwriting restrictions
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