Installation Floater Coverage for Plumbers
Protect Your Plumbing Projects from Start to Finish
As a plumber, your work doesn’t stay in the shop — it’s out on job sites, under construction, exposed to unexpected risks. That’s where Installation Floater Coverage comes in. This essential insurance coverage protects plumbing materials, supplies, tools, and equipment while they are in transit, stored at a job site, or awaiting installation.
What is Installation Floater Coverage?
Installation Floater Insurance is a type of inland marine policy that covers materials and fixtures intended for installation in new or existing construction projects. It bridges the gap between delivery and completed installation, safeguarding your business from loss or damage due to:
Theft from job sites
Fire or water damage
Vandalism
Accidental loss during transit
Weather-related incidents (like storms or floods)
Who Needs This Coverage?
If you are a plumber who regularly installs materials such as pipes, valves, water heaters, or fixtures in new buildings or renovation projects, you need installation floater insurance. This is especially important for:
Residential Plumbing Contractors
Commercial Plumbing Businesses
Subcontractors working on large construction sites
Plumbing companies handling costly installations
What Does Installation Floater Cover?
Your policy can be customized, but generally includes protection for:
Pipes, fittings, fixtures, and valves
Bathtubs, sinks, and toilets not yet installed
Water heaters and filtration systems
HVAC connections installed by plumbing teams
FAQ:
Installation Floater Coverage is a type of insurance that protects materials, supplies, and equipment during transport, installation, or while waiting to be installed at a job site. It’s designed to cover losses due to theft, vandalism, fire, or accidental damage during the construction or remodeling process.
This coverage is essential for plumbers, contractors, electricians, HVAC installers, and construction professionals who regularly install materials at a client’s site. If you handle high-value equipment or custom materials before a job is complete, you need this protection.
It typically covers:
Materials and equipment in transit
Materials stored at the job site or off-site
Property awaiting installation
Damage caused by fire, theft, or accidental mishandling
Not quite. While Builder’s Risk covers the entire structure under construction, Installation Floater only covers the materials and equipment you’re responsible for installing. It’s ideal for subcontractors like plumbers working on part of a larger project.
Not usually. Tools and permanent equipment used by your team may need to be insured under a separate Tools & Equipment Coverage policy. Installation Floater coverage is specifically for items being installed—like pipes, valves, water heaters, and fixtures
