Plumbing & HVAC

Watertight protection for your business and your reputation.

The Challenge: The Hidden Risks of the Trade

In plumbing, a single loose fitting or an improperly sealed joint can lead to tens of thousands of dollars in water damage long after you’ve left the job site. From "hot work" risks during soldering to the complexity of modern hydronic heating systems, your trade requires a policy that accounts for both immediate accidents and long-term liability.

Why Hardcover Insurance?

At Hardcover, we understand that for plumbers, Completed Operations coverage is just as important as your General Liability. We specialize in the construction trades, ensuring your policy is free of "mold or fungus" exclusions that often trip up residential and commercial plumbers alike.

Core Coverage for Plumbing Professionals

General Liability with Completed Operations: Protects you if a pipe bursts or a connection fails six months after the job is done. This is the most vital piece of your insurance puzzle.
Pollution & Mold Liability: Essential for plumbing contractors who may encounter existing mold or accidentally cause a leak that leads to environmental issues.
Commercial Auto & Fleet: Your vans are your mobile offices. We provide comprehensive coverage for your vehicles, including specialized "permanently attached equipment" like jetters and cameras.
Inland Marine (Tools & Equipment): Whether it’s a high-end drain camera, a pro-press tool, or a stock of copper and PEX, we protect your gear against theft from the van or the job site.
Professional Liability (For Design-Build): If your firm provides design services or engineering for complex MEP systems, we bridge the gap between "doing the work" and "designing the system."

Hardcover Trade Advantages

Instant COIs: Don't lose a contract because you're waiting on paperwork. Our system is built for the speed of the service industry.
Claims Advocacy: If a property owner blames you for a pre-existing leak, our adjusters and experts stand in your corner to protect your record.

"Protection that works as hard as you do. Fast COIs and comprehensive coverage for your trade." — The Hardcover Promise

Don’t Leave Your Business Exposed

Your crew takes the risks on the ladder; let us take the risk on the paperwork. Get a quote that actually covers your specific trade.