Water damage claims are the most common and expensive claims in plumbing. KIG builds insurance programs around that reality — so when a pipe fails or a fitting leaks, you're covered.
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Plumbing contractors face significant liability from water damage — both during active jobs and from completed work. Here's how KIG structures your coverage.
Covers bodily injury and property damage during your plumbing operations — including water damage caused by a burst line, failed fitting, or plumbing system failure during installation.
Covers water damage and other claims that arise after a plumbing job is complete — leaks, sewage backups, and flooding discovered days, weeks, or months after the work was done.
Covers your service vans and trucks, including pipe and fitting inventory stored in vehicles and liability while traveling between job sites.
Plumbers work in tight spaces, lift heavy materials, and use power tools daily. Workers' comp covers your crew from work-related injuries and is required in most states.
Covers hydro-jetting equipment, pipe cameras, drain machines, and other plumbing-specific tools from theft, damage, or loss on or off your job site.
Covers errors in system design, improper product recommendations, or incorrect pipe sizing — important for plumbers doing commercial or new construction work.
Plumbing liability is dominated by water damage claims — which can be catastrophic in commercial buildings. KIG's plumbing programs make sure you're properly covered for both active and completed operations.
We work with carriers who understand that water damage claims are the norm in plumbing — and price and structure policies accordingly.
A pinhole leak that appears three months after a repipe can cause tens of thousands in water damage. We make sure your completed ops coverage is solid.
Need a COI to bid a commercial plumbing contract? We can issue certificates and endorsements quickly so you don't miss the bid deadline.
Safety record matters. KIG works to get your loss history recognized by carriers so you're rewarded for running a tight operation.
Water damage from plumbing failures can be catastrophic — a single busted pipe in a commercial building can result in six-figure claims. Proper insurance is essential.
Incorrect fittings, improper connections, or accidental pipe cuts during work can cause immediate and extensive flooding damage.
Slow leaks from completed installations may not be discovered until walls, floors, or ceilings are destroyed — these are often the most expensive claims.
Sewage backup claims involve contamination cleanup costs, health hazards, and property damage that require specific coverage.
Plumbers work in crawl spaces, basements, and utility tunnels — all high-risk environments for slips, trips, and toxic gas exposure.
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