Source: Carrier website and product data
Nationwide: Plumbing Contractors Insurance Appetite
Nationwide can write plumbing contractors accounts but this is not a focus segment — best used when the account has other lines already placed with Nationwide 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 |
| Inland Marine |
Premium Range
$6,000-$30,000
Typical annual premium
Target States
All 50 states + DC
Key Features
- Workers' compensation program — Provides benefits to employees for work-related injuries or illnesses, including for plumbing contractors class codes
- Nationwide provides completed operations coverage for water damage claims that surface months after installation
- Nationwide provides tools and equipment floater for job-site theft protection
- Nationwide 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 Nationwide — 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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