Comprehensive Plumbing Insurance Solutions from Continental Risk
Continental Risk and Continental Marine Insurance Services offer a specialized insurance program tailored to meet the needs of commercial and residential plumbing contractors. Backed by A-rated carriers, this program is designed with flexible options and broad coverage features to help agents confidently place plumbing business of all sizes and complexities.
Ideal Accounts and Target Risks
This program is an excellent fit for both residential and commercial plumbing contractors, including those involved in new residential construction and tract work. Whether your client is a small contractor handling service calls or a larger operation managing large-scale developments, Continental Risk has the underwriting expertise and market access to provide viable solutions.
Example risks that fit well include:
- A commercial plumbing contractor working with multiple general contractors across several states.
- A residential plumber engaged in tract housing development looking to expand into new construction.
Coverage Highlights and Advantages
The plumbing insurance program includes a wide range of coverages to help protect your clients from their most pressing exposures:
- General Liability with defense costs outside the limits (standard 1/2/2 limits).
- Excess Liability limits available for clients requiring higher protection.
- Auto and Pollution Liability coverage options available for more comprehensive risk management.
- Blanket Additional Insured, Primary & Non-Contributory, and Blanket Waiver of Subrogation endorsements included.
This program is designed to accommodate a variety of operational setups and risk profiles, offering agents a flexible solution across the plumbing sector.
Underwriting Notes and Minimum Premiums
Minimum premiums start at $775 for accounts without new residential work, and $3,000 for those engaged in new residential construction. Several carriers in the program offer audit flexibility, which may result in return premiums if business volume is lower than projected. Commission structures vary depending on the account and carrier.
Territories and Availability
This program is available in all 50 states plus Washington, DC. Admitted paper is available in select states, while non-admitted options may be used in others, allowing for flexible placement regardless of geography.
Why Work With Continental Risk
As an experienced excess and surplus lines broker, Continental Risk brings deep industry knowledge and access to multiple A-rated carriers. Their focus on contractor risks—especially within the plumbing segment—means you can expect fast turnarounds, thoughtful underwriting, and competitive market access. With the ability to package GL, Auto, Pollution, and Excess coverages, Continental Risk makes it easier for agents to provide complete insurance solutions to their contractor clients.