Plumber General Liability Review Checklist

Business: ________________ Contact: ________________ State: ________________ Job or contract: ________________ Main plumbing work type: ________________ Certificate due date: ________________ Required limits from contract or customer request: ________________ Endorsements requested by contract or customer: ________________

Use this page with the policy quote, declarations page, endorsement list, contract insurance exhibit, and certificate request. Leave any item blank until the carrier, agent, or licensed support confirms the policy wording.

• Residential service plumbing is described correctly.
• Commercial tenant work, property-manager work, or general contractor work is described correctly.
• Sewer, drain cleaning, hydro-jetting, grease-trap, wastewater, or cleanup work is listed for review.
• Gas piping, appliance connections, commercial kitchen work, generator connections, or similar gas-line work is listed for review.
• Excavation, trenching, boring, sewer lateral work, water main work, backhoe use, or underground utility exposure is listed for review.
• New construction, repipes, service repairs, tenant improvements, and design-build work are separated if the carrier asks for that split.
• Subcontractor use is reviewed, including whether subcontractors provide certificates of insurance and additional insured endorsements.
• Prior water damage, sewer backup, completed operations, customer property damage, or bodily injury claims are ready for review.

Review the contract before requesting a certificate. Do not request wording the contract does not require.

Contracts may require endorsements in addition to a certificate. A certificate shows evidence of coverage, but endorsement wording controls whether the required party is added or the required wording applies.

• Additional insured for ongoing operations is required by the contract.
• Additional insured for completed operations is required by the contract.
• The contract names the party that must be added as an additional insured.
• The contract asks for primary and noncontributory wording.
• The contract asks for waiver of subrogation wording.
• The contract asks for a specific endorsement form or edition.
• The certificate request matches the contract rather than adding extra wording.
• The completed operations requirement is reviewed because plumbing defects can appear after the crew leaves the job.

Ask licensed support to review policy wording for items that matter to plumbing work. The insurer decides coverage based on the policy terms, exclusions, conditions, limits, and claim facts.

• Water damage allegations are reviewed, including failed fittings, bad connections, slab leaks, missed valves, and damage to finished interiors.
• Completed operations coverage is reviewed for leaks or defects discovered after the job is finished.
• Pollution, contamination, mold, sewage, wastewater, chemical, and cleanup limitations are reviewed.
• Underground work, excavation, trenching, boring, collapse, and utility-damage exclusions are reviewed.
• Gas-line, appliance-connection, fire, and explosion-related limitations are reviewed.
• Damage to your own work, rework, faulty workmanship, and warranty-type exclusions are reviewed.
• Subcontractor exclusions or requirements are reviewed if any work is subcontracted.
• Residential, commercial, industrial, sewer, drain, gas-line, and excavation work match how the carrier classified the business.

Use these questions when reviewing a quote or policy change.

• Does the quote classify the plumbing business by the work actually performed?
• Does the carrier know whether the work is residential, commercial, industrial, or mixed?
• Does the carrier know about sewer, drain cleaning, gas-line work, or excavation if those apply?
• Do the limits match the contract or customer request?
• Are the requested additional insured, completed operations, waiver of subrogation, and primary and noncontributory endorsements available?
• Are any exclusions likely to affect water damage, sewer backup, pollution, underground work, or completed operations claims?
• Are subcontractors required to carry insurance and name your business as additional insured when the contract requires it?
• Do you need a revised certificate after policy wording or endorsement details are confirmed?