HVAC Plumbing Contractors General Liability Insurance

CIS - Construction Insurance Solutions

Fast, Reliable Insurance for HVAC & Plumbing Contractors

Norman-Spencer Agency’s Construction Insurance Solutions (CIS) program is specifically designed for HVAC and plumbing contractors. Whether your insured works with sheet metal, mechanical systems, air conditioning, or plumbing, this program delivers fast and flexible access to General Liability and Umbrella/Excess coverage. Supported by a national, non-admitted A+ rated carrier, this program is built to serve artisan contractors in both residential and commercial markets—including high-risk states with known Construction Defect litigation.

With over 84,000 plumbing and HVAC contractors generating more than $87 billion in annual revenue, this segment is one of the largest in the specialty contractor space. Norman-Spencer’s CIS program provides a competitive edge for agents looking to write this business efficiently and effectively.

This program is ideal for:

• HVAC contractors (residential, commercial, repair, or installation)
• Plumbing contractors (including new construction and service/repair)
• Sheet metal and mechanical contractors
• Artisan contractors working in states with Construction Defect exposure

You might have a client who recently expanded into commercial HVAC installations and needs higher liability limits. Or a plumbing company operating in multiple states that needs blanket additional insureds and a competitive umbrella option. This program is built to meet those needs.

• A+ rated carrier backing
• General Liability: $1,000,000 per occurrence / $2,000,000 aggregate
• Products Aggregate: $1,000,000
• Fire Damage Legal Liability: $50,000
• Medical Expense: $5,000
• Minimum $2,500 property damage deductible per occurrence

Special extensions available include:

• Blanket Additional Insured (including full products coverage)
• Per Job Aggregate
• Blanket Waiver of Subrogation
• Employer Benefits Liability
• Labor Reimbursement
• Limited Worksite Pollution Liability
• Umbrella limits up to $25,000,000 (submit for quote)

Submissions should include:

• ACORD applications
• Signed supplemental application (insured and agent)
• 3–5 years of currently valued loss runs with details on losses over $10,000
• 2-year job list
• Expiring declarations page and rating worksheet

Illinois and New York are accepted on a referral basis. Minimum premiums vary based on account specifics and required coverages.

Available in all U.S. states except Hawaii. Illinois and New York are subject to referral. This program is written on a non-admitted basis through a national carrier.

Norman-Spencer Agency has deep expertise in construction-related insurance and offers a broad portfolio of industry-specific programs. The CIS program reflects their commitment to providing fast, competitive solutions to independent agents and brokers serving HVAC and plumbing contractors. With open distribution, strong underwriting, and access to top-tier carriers, Norman-Spencer is a trusted partner for your specialty contractor accounts.