PreferredVerified Q1 2026
Source: Carrier website and product data
Selective Insurance: Plumbing Contractors Insurance Appetite
Selective Insurance explicitly targets 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
$4,600-$30,000
Typical annual premium
Target States
25 states (Northeast, Mid-Atlantic, Southeast, Midwest)
Key Features
- Workers Compensation Insurance program – Protects employees and the business in case of workplace injury, covering medica for plumbing contractors class codes
- Selective Insurance offers completed operations coverage for water damage claims that surface months after installation
- Selective Insurance offers tools and equipment floater for job-site theft protection
- Selective 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
Compare Other Carriers for Plumbing Contractors
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HiscoxLimited
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NEXT InsurancePreferred
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The HartfordPreferred
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AcuityPreferred
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Erie InsurancePreferred
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biBERKPreferred
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AmTrust FinancialPreferred
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BTISLimited
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Pie InsurancePreferred
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Liberty MutualPreferred
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ChubbStandard
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Cincinnati FinancialPreferred
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The HanoverPreferred
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Auto-Owners InsurancePreferred
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GUARD InsurancePreferred
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MarkelPreferred
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Coterie InsurancePreferred
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Kinsale CapitalStandard
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InsureonPreferred
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