General Liability Insurance for Plumbers

Can your client’s plumbing business absorb the cost of a lawsuit or a large property damage claim? Even with strong safety practices and quality workmanship, plumbers face exposures that can lead to expensive claims — for example, a failed fitting that floods a commercial tenant space. Novatae Risk Group, in partnership with Empire Underwriters, offers a focused General Liability Insurance for Plumbers program to help agents place plumbing accounts with the right combination of coverage and market access.

This program is backed by admitted and non-admitted carriers rated as high as A-XV and is designed specifically for plumbing contractors. Whether the account is primarily residential service or light commercial new construction, the program delivers responsive underwriting and policy language tailored for plumbing operations.

To discuss your next plumber liability account, contact our experienced brokers at 800-758-8113.

Overview:

Novatae’s General Liability Insurance for Plumbers program targets small to mid-sized plumbing contractors. Coverage can be written admitted or non-admitted depending on the state, and capacity includes carriers rated as high as A-XV. The program is an appropriate market for agents placing plumbing operations with annual payrolls under $1 million.

Market Focus and Eligibility:

This program is intended for:

• Commercial and residential plumbing contractors
• New construction of single-family homes or small commercial buildings
• Repair, service, and remodeling work on existing structures

Typical ineligible risks include new construction of condominiums, condo conversions, and townhouses (except in limited situations), and work on buildings taller than three stories.

Coverage Highlights:

• Blanket Additional Insured endorsements
• Waiver of Subrogation
• Primary and Non-Contributory wording
• Per-Project Aggregate limits
• Subsidence coverage (with limitations)
• Prior Projects coverage (with limitations)

Submission Requirements:

• Completed ACORD applications
• 3–5 years of current, valued loss runs
• Supplemental plumbing application
• Project-specific pollution application (if applicable)

Minimum Premiums and Underwriting Notes:

The program’s minimum premium begins at $1,500, making it accessible for small to mid-sized accounts. Underwriting is practical and solutions-oriented — the team will work with you to balance competitive terms and appropriate risk selection. Expect flexibility for routine service and remodel exposures; larger project work will be reviewed on a case-by-case basis.

States Available:

This program is offered in the following states: AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NC, PA, SC, TN, TX, UT, VA, and WV.

Why Work With Novatae Risk Group?

As a wholesale broker, Novatae brings specialty market relationships and deep construction liability expertise to help you place plumbing accounts that may be challenging to place in standard markets. Our brokers provide fast response, clear submission guidance, and access to admitted and excess capacity when appropriate.

Example accounts that typically fit this program:

• A small residential service contractor with multiple service vehicles and annual payroll under $300,000 seeking GL limits, blanket additional insureds, and primary/non-contributory wording for commercial clients.
• A local plumbing subcontractor performing new construction on single-family homes and doing occasional small commercial tenant fit-outs with per-project aggregate limits needed for contract requirements.

Need a quote for your plumber account?

Email [email protected] or call 800-758-8113 to connect with an underwriter today.