Plumbing Contractor Insurance
Annual commercial package for plumbing contractors — GL, workers comp, commercial auto, inland marine, umbrella. Certificates within 24 hours.
- Veteran-Owned
- 100+ Yrs Experience
- Fast Certificates
- Real Agents
- Florida Experts
- Veteran-OwnedIndependent agency
- 100+ Years CombinedCommercial expertise
- Florida-ResidentDeLand, FL office
- 24-Hour COIsMost certificates same business day
Trusted Carrier Partners
Why First Commercial
Why Florida Businesses Choose Us
We focus on the commercial insurance lines that need real expertise — and we treat every client like a long-term partner, not a policy number.
Bundled Contractor Package
GL, workers comp, commercial auto, inland marine — written together.
Venue & GC Certificates
Additional insured, waiver of subrogation, primary/non-contributory wording.
Florida-Resident Agency
We know the carriers, the inspectors, and the local job-site dynamics.
Real People Answer
Same-day phone access during business hours. No phone trees.
Who we cover
Plumbing contractors face water-damage exposure unique among the trades — a defective fitting or improper installation can flood a house in hours. Most claims arise after work is completed; products and completed operations is therefore central. Inland marine matters because plumbers carry expensive tooling (drain cameras, pressure testers, jetters) that can cost $20K+ per truck. We address trenching and excavation exposure when applicable.
Plumbing Contractor-specific exposures
- Water damage from defective fittings, improper soldering, or freeze-cracks in installations
- Products and completed operations — most plumbing claims arise post-installation
- Trenching and excavation injuries (where applicable for service or new-construction work)
- High-value tool inventory (drain cameras, pressure testers, jetters)
- Mold remediation claims following water-damage incidents
Coverage components for plumbing contractors
- General liability with strong products & completed operations limit
- Inland marine on tools — typically $15K-$60K scheduled value
- Workers compensation required in Florida for construction at 1+ employees
- Commercial auto on service trucks
- Pollution liability when trenching, excavating, or working with sewage systems
Florida plumbing contractor licensing notes
Florida plumbing contractors are licensed through DBPR. Certified Plumbing Contractor (CFC) is statewide; Registered Plumbing Contractor is county-specific. Most contracts require a $300,000 GL minimum; we typically quote at $1M / $2M standard with $1M umbrella for commercial work.
Need a contractor certificate for a job site?
Subcontractor considerations
If you hire subcontractors, your policy is the backstop when their work causes a claim. Carriers want subcontractor agreements requiring their own GL and workers compensation, certificates from each subcontractor on file annually, and indemnity language in the subcontract that flows damages to the responsible party. Document this process during underwriting to keep your premium tight.
What affects your premium
- Annual revenue and payroll
- Largest project value handled
- Residential vs commercial vs new-construction percentage mix
- Use of subcontractors (and their coverage status)
- Claims history
- Years in business and license currency
- State of operation
- Tool and equipment value (drives inland marine)