Comprehensive protection for heating, cooling, ventilation, and plumbing contractors across Washington and Oregon — coverage built for the water-damage, completed-operations, and job-site exposures that generic contractor policies miss.
A-rated carriers · Same-day certificates · Additional insureds added fast
HVAC and plumbing contractors face risks most policies weren't written for — water damage from faulty workmanship, refrigerant handling, gas connections, and callbacks on completed jobs. First Underwriters has protected Pacific Northwest mechanical contractors since 1992, building programs that cover liability, completed operations, tools, and your crew from the shop to the job site. Learn more from the Plumbing-Heating-Cooling Contractors Association and ACCA.
Illustrative examples of how a single HVAC or plumbing exposure escalates when coverage is missing or improperly structured — and what closes the gap. Click through each.
Tell us how your contracting business operates, and we'll assemble the coverages that typically apply — a starting point for your quote, no contact info required.
Every mechanical contractor starts with general-liability, products & completed-operations, and a business owners policy core.
Four steps to a program built for the mechanical trades — and the service that keeps your jobs moving. Click through each.
Filter by type or search to see the full range of coverage we place for HVAC and plumbing contractors.
Tailored programs from solo service techs to large commercial mechanical contractors.
Since 1992 we've protected HVAC and plumbing contractors across Washington, Oregon, and the PNW — we understand water-damage liability, refrigerant handling, and completed-operations exposure, and we place coverage with specialized contractor markets that reward good loss history.
Need a COI for a commercial job or a GC requirement? We issue same-day certificates and add additional insureds fast to keep your projects moving — and when a water-damage or injury claim hits, we advocate for a fair resolution through the entire process.
GCs pushing unfair insurance requirements? We review contracts and help you negotiate terms that protect your business without overbuying — plus safety-program guidance and coverage-gap reviews before a problem shows up on the job site.
Request expert coverage analysis and competitive quotes from specialists who understand mechanical contractors — free consultation, same-day quotes available, no obligation.
Or email us at info@firstunderwriters.com
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Descriptions are general summaries for education and are not legal, tax, or coverage advice, nor a statement of coverage, an offer, or a binder; the coverage builder is a starting point for discussion rather than a quote or coverage determination. The scenarios and dollar figures shown are illustrative examples, not guarantees or representations about specific businesses; actual coverage, limits, and eligibility are governed solely by the terms, conditions, and exclusions of your issued policies and are subject to underwriting. First Underwriters Insurance Brokers · Kirkland, WA · (425) 242-5357.
