Does service work differ from new construction?
Yes. Occupied buildings can create different property-damage and customer-premises exposures.
Plumbing Contractor Insurance
A plumbing loss can turn into a major property claim quickly. New construction, service work, underground work, backflow, medical gas, fire suppression and subcontracting can all affect the program.
What to Review
Contractor insurance starts with the work—not a generic class description.
Project type, job-site conditions, subcontracting, contracts, fleet, equipment and completed work can all change the insurance conversation.
Water damageInstallation or connection failures can damage large portions of a building.
Completed workLeaks may develop after walls are closed and the project is occupied.
Tools & materialsEquipment and materials move between shops, vehicles and job sites.
Commercial autoService fleets create daily road exposure and should align with driver controls.
Common Questions
Questions worth answering before renewal.
Are underground operations important?
Yes. Utility strikes and excavation work can materially change the liability profile.
What about design responsibility?
If the contractor provides design, engineering or delegated-design services, professional liability should be discussed.
Keep Exploring
Related contractor insurance topics.
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Contractors Equipment & Inland Marine
Protect mobile tools and equipment that do not stay at one location.
Learn more →RelatedSubcontractor Risk Transfer
Understand contracts, additional insured status and subcontractor controls.
Learn more →RelatedCommercial Auto for Contractors
Review fleets, trailers, drivers and hired/non-owned exposures.
Learn more →Have a renewal coming up?
Start with a conversation about your operation, current program and what you want to improve.