Specialty Trades (MEP)
Streamlined protection for mechanical, electrical, plumbing, HVAC, and finish contractors managing complex, multi-system installations.
Operational Risk Profile
Mechanical, electrical, and plumbing (MEP) contractors face long-tail liabilities where latent installation defects can cause catastrophic property damage years after a project is finished. Key exposures include massive water damage from pressurized pipe failures, catastrophic electrical fires stemming from installation errors, and extensive “Care, Custody, and Control” liabilities when working on a facility’s primary infrastructure.
Core Coverage Considerations
While every business has a unique risk profile, a foundational risk management strategy for this industry typically includes the following core coverages. We will work with you to identify any additional specialized policies required for your specific operations.
CGL with Completed Operations Extensions
Required to cover long-tail third-party property damage and bodily injury claims emerging after project completion, ensuring the elimination of restrictive Explosion, Collapse, and Underground (XCU) exclusions.
Contractors’ Professional Liability (CPL)
Necessary for firms engaged in design-build projects to cover financial damages resulting from engineering or design errors.
Commercial Auto & Fleet Insurance
Vital for protecting the high volume of service vans and specialized utility vehicles traveling between multiple service locations daily.
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