Blog · Coverage Explained
Coverage Explained
Plumbing insurance guides in coverage explained, written and reviewed by Nate Jones, CPCU.
- Coverage Explained
Additional Insured for Plumbing Contractors: CG 20 10 vs CG 20 37
A GC’s contract demands additional-insured status — for a plumbing sub it takes two endorsements. CG 20 10 covers ongoing operations, CG 20 37 completed.
- Coverage Explained
Does General Liability Cover Water Damage After the Job?
A fitting you installed fails and floods a finished space after final payment. That completed-operations water damage is what general liability answers.
- Coverage Explained
Sewage Backups and Pollution Liability: What GL Excludes
A sewage backup during sewer work is not a standard general-liability claim. Here’s the pollution exclusion gap — and how pollution liability answers it.
- Coverage Explained
Trenches, Confined Spaces, and Workers’ Comp for Plumbers
Trench collapse, confined-space entry, and scald burns drive a plumbing crew’s severity. Here is how workers’ compensation answers each of them.
- Coverage Explained
Are Your Plumbing Trucks and Equipment Actually Covered?
Your plumbing trucks and the tools inside them run through two different lines — commercial auto and contractors equipment. Here’s how the split works.
- Coverage Explained
Professional Liability for Design-Build Plumbing Contractors
Professional liability answers the financial loss from a wrong plumbing design or spec — an errors-and-omissions exposure general liability never covers.
- Coverage Explained
The ‘Your Work’ Exclusion: Why GL Won’t Redo Your Plumbing
General liability pays for the damage your defective plumbing causes to other property — not to rip out and redo the work itself. Where the line sits.
- Coverage Explained
Umbrella and Excess Coverage for Plumbing Contractors
Extra liability limits over your primary policies — general liability, commercial auto, and employers liability — when a contract demands more.
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