Insurance requirements for plumbing subcontractors

What goes wrong

• Slow leaks. A bad joint can drip inside a wall for months.
• Burst lines. Water everywhere, fast, and often over finished floors.
• Mold afterwards. Water damage can turn into a mold claim.

What to ask for

• General liability with completed operations. This is the one that matters most for plumbing. Read ongoing vs completed operations.
• Occurrence basis. See occurrence vs claims-made. A claims-made policy can leave old work uncovered if the sub stops buying it.
• Workers’ comp for every worker on the crew.
• Commercial auto for work trucks.

Check these too

• License. Most states license plumbers. Look it up. A certificate won’t tell you.
• Exclusions. Ask your broker if the sub’s policy excludes water damage or mold. You won’t see exclusions on the certificate.

Not legal or insurance advice. This is general information. Your contract, your state and your policy decide what applies to you. Ask your broker or attorney.

Copy this into your bid request

Plumbing subcontractor, please send before starting: a current certificate showing general liability with completed operations, workers’ comp, and auto if you drive to site. Also send the additional insured endorsement for ongoing and completed work and a waiver of subrogation if our contract requires it. Name [your company] as certificate holder. Limits are in our requirements page: [link].

Fill in your company name and link. Your broker sets the numbers. Build the page with the requirements builder.