Plumber Insurance Cost Checklist

Plumber insurance requirements checklist

Business: ________________ Contact: ________________ State: ________________ Client or GC: ________________ Job: ________________ Contract type: ________________ Project tier: ________________ Certificate due date: ________________

Use this checklist to compare the written contract, your current policy, and the certificate request before sending a certificate. Contract terms vary by customer, state, project size, carrier, and job scope.

Commercial general liability | For construction contracts up to $1,000,000, one public institution template lists $1,000,000 per occurrence and $2,000,000 aggregate. | Commercial general liability | For construction contracts from $1,000,001 to $5,000,000, the same template lists $1,000,000 per occurrence and $2,000,000 aggregate plus excess or umbrella. | Commercial general liability | For construction contracts over $5,000,000, the same template lists $1,000,000 per occurrence and $2,000,000 aggregate plus higher excess or umbrella. | Excess or umbrella | Check whether the contract requires no umbrella, $5,000,000 excess or umbrella, or $10,000,000 excess or umbrella. | Business auto | One public institution template lists $1,000,000 each occurrence for owned, hired, and non-owned vehicles. | Workers compensation | Check for statutory workers compensation and employers liability requirements if employees are involved. | Tools and equipment | Confirm whether the job requires proof of inland marine or equipment coverage for portable plumbing tools and materials. | Professional liability | Review if design, consulting, specifications, or design-build duties are part of the plumbing scope. | Pollution liability | Review only if the contract or job scope involves contamination, pollutant release, cleanup, sewer, waste, or environmental exposure. |

Additional insured for ongoing operations | Confirm whether the GC, owner, landlord, or institution must be added for ongoing operations. | Additional insured for completed operations | Confirm whether completed operations coverage is required after the plumbing work is finished. | CG 20 10 | Check whether the contract requests this additional insured form or equivalent wording. | CG 20 37 | Check whether the contract requests this completed operations form or equivalent wording. | Primary and noncontributory | Confirm whether your policy must respond first without seeking contribution from the certificate holder's policy. | Waiver of subrogation | Confirm whether the insurer must waive recovery rights against the GC, owner, or other named party. | Blanket versus scheduled status | Ask your agent whether endorsements apply automatically by written contract or must list this specific client. | Completed operations duration | Check if the contract requires coverage to remain in force after project completion. |

Before sending the certificate, copy the exact certificate holder wording from the contract or client request.

Certificate holder legal name: ______________________________ Mailing address: ___________________________________________ Project name or number: ________________ Additional insured parties to list: _________________________ Required description wording: ______________________________ Email or portal for delivery: ______________________________ Requested delivery date: ________________

Do not rely on a certificate alone if the contract requires endorsements. Ask for endorsement copies when the client requires specific additional insured, waiver, or primary and noncontributory wording.

The contract insurance exhibit has been compared against the current policies. | ☐ | Limits match the contract tier or the client approved different limits in writing. | ☐ | The certificate holder name and address match the request exactly. | ☐ | Additional insured requirements have been reviewed for ongoing and completed operations. | ☐ | Waiver of subrogation requirements have been reviewed with the agent or carrier. | ☐ | Primary and noncontributory wording has been confirmed if required. | ☐ | Auto and workers compensation requirements have been checked if vehicles or employees are involved. | ☐ | Copies of required endorsements have been requested when the certificate alone is not enough. | ☐ |