Water damage is the most common plumbing claim. A fitting fails, a home floods, and the claim can be limited by mold or "your work" exclusions if the policy was not set up for the work you do. Sewer, backflow and excavation work raise their own questions. This guide explains the coverage plumbers typically carry and what to have ready before a call with a licensed DANESURE advisor.
Grouped by when most contractors need it. Your own list depends on your operations and each carrier’s underwriting.
Pays if your work damages someone's property or injures someone. Completed operations covers claims that show up after the job is finished, which is when many defect claims arrive. Most contracts ask for proof of it. For plumbers, check how the policy treats water damage and mold.
Pays medical bills and lost wages if an employee is hurt on the job. Most states require it once you have employees, full-time or part-time. Helpers paid as 1099s who can't show their own coverage can be counted as your employees at audit.
Covers trucks, vans and trailers used for the business. A personal auto policy often won't pay a claim that happens while the vehicle is being used for work. If technicians drive their own vehicles for work, hired & non-owned auto matters too.
Covers your tools, camera and jetting equipment, and materials. General liability and auto don't cover your own tools and equipment.
Sewage, mold and similar contamination are usually excluded from general liability. This covers them for contractors who do that work.
Covers the business when employees drive their own or rented vehicles for work.
Extra limits on top of general liability and auto, often required once you take larger commercial jobs.
Many general contractors, owners and property managers require additional insured status, primary & non-contributory wording and a waiver of subrogation. A certificate only shows coverage; those protections exist only if the policy is endorsed for them.
Tell us about your business and a licensed DANESURE advisor will call you at the time you choose.
This guide is general information to help you prepare. It isn't a coverage recommendation, a quote, or a promise of coverage — what you need depends on your operations and each carrier's underwriting. A licensed DANESURE advisor will review your situation with you.
DANESURE, Inc. · Arizona agency license #3004238332