HVAC Plumbing & Electrical Supply Distributor Insurance Coverage Checklist
The coverages a hvac plumbing & electrical supply distributor business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for HVAC, plumbing, and electrical supply wholesalers. Priorities reflect typical exposure for this class; confirm against your actual branches, fleet, and services.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Commercial Auto | Covers delivery trucks and boom trucks — the source of the largest distributor verdicts. | Core | |
| Products Liability | Covers fires, floods, and injuries blamed on equipment and parts you sold. | Core | |
| General Liability | Covers injuries at branches, will-call counters, and jobsite drops. | Core | |
| Workers' Compensation | Covers drivers and warehouse staff handling pipe, wire reels, and equipment. | Core | |
| Commercial Property | Covers branch inventory, including high-value copper and wire. | Core | |
| Umbrella / Excess Liability | Adds limits over auto and products liability; contractors and owners often require it. | Prevalent | |
| Crime / Employee Theft | Covers theft of copper, wire, and equipment from inside and outside. | Prevalent | |
| Inland Marine / Cargo | Covers stock on trucks and at jobsites before delivery is accepted. | Prevalent | |
| Errors & Omissions | Covers design, load calculation, and startup advice that proves wrong. | Situational | |
| Pollution Liability | Covers refrigerant releases and spills from stored chemicals. | Situational |
The coverage gap most often missed
The gap most often missed by HVAC, plumbing, and electrical distributors is professional advice. Branch staff often size equipment, run load calculations, lay out systems, or start up units for contractors, and products and general liability policies may exclude claims that the advice was wrong. If you offer any design, sizing, or startup service, ask about errors and omissions coverage, and keep written records of what you recommended.
Send us the checklist and we'll review your hvac plumbing & electrical supply distributor coverage line by line, then market it across multiple carriers that compete for your account.
Related: HVAC, Plumbing & Electrical Supply Distributor Insurance · HVAC Plumbing & Electrical Supply Distributor Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a hvac plumbing & electrical supply distributor business need?
The core coverages for a hvac plumbing & electrical supply distributor business are Commercial Auto, Products Liability, General Liability, Workers' Compensation, Commercial Property. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my hvac plumbing & electrical supply distributor coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.