PreferredVerified Q1 2026
Source: Carrier website and product data
The Hartford: Plumbing Contractors Insurance Appetite
The Hartford explicitly targets contractors & construction (includes hvac, plumbing, roofers, carpenters) 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
48 states + DC (excludes AK, HI)
Key Features
- Workers’ Compensation Insurance program – Helps compensate employees for work-related injuries or illnesses, covering medi for plumbing contractors class codes
- The Hartford offers completed operations coverage for water damage claims that surface months after installation
- The Hartford offers tools and equipment floater for job-site theft protection
- The Hartford 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
Progressive CommercialPreferred
$4,000-$25,000
TravelersPreferred
$4,600-$30,000
CNAPreferred
$4,600-$30,000
HiscoxLimited
$6,000-$30,000
NEXT InsurancePreferred
$4,000-$25,000
EMPLOYERSPreferred
$1,600-$7,500
AcuityPreferred
$4,000-$25,000
Erie InsurancePreferred
$4,000-$25,000
biBERKPreferred
$4,000-$25,000
AmTrust FinancialPreferred
$4,000-$25,000
BTISLimited
$5,200-$25,000
Pie InsurancePreferred
$1,600-$7,500
NationwideLimited
$6,000-$30,000
Liberty MutualPreferred
$4,600-$30,000
ChubbStandard
$5,600-$37,500
Cincinnati FinancialPreferred
$4,600-$30,000
The HanoverPreferred
$4,600-$30,000
Auto-Owners InsurancePreferred
$4,000-$25,000
GUARD InsurancePreferred
$4,000-$25,000
MarkelPreferred
$4,600-$30,000
Coterie InsurancePreferred
$4,000-$25,000
Selective InsurancePreferred
$4,600-$30,000
Kinsale CapitalStandard
$4,600-$30,000
InsureonPreferred
$4,000-$25,000