Waterproofing Contractor Insurance Coverage Checklist
The coverages a waterproofing contractor 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 below-grade, deck, sealant, and coating waterproofing contractors. Priorities reflect typical exposure for this class; confirm against your actual work and projects.
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 |
|---|---|---|---|
| General Liability (incl. | Completed Ops) Covers water damage claims that surface years after the work is covered. | Core | |
| Workers' Compensation / Employer's Liability | Covers crews working in excavations and with chemical products. | Core | |
| Commercial Auto | Covers trucks and equipment trailers. | Core | |
| Contractor's Pollution Liability | Covers mold and chemical claims — usually excluded from GL. | Prevalent | |
| Contractor's Equipment (Inland Marine) | Covers sprayers, pumps, and tools. | Prevalent | |
| Contractor's Professional Liability | Needed if you design systems or select products. | Situational | |
| Umbrella / Excess Liability | Adds limits GCs and owners require. | Prevalent | |
| Residential / Condo Work Coverage | Confirms your GL does not exclude multifamily or tract work. | Prevalent | |
| Wrap-Up (OCIP/CCIP) Participation | Confirms how your own policy responds on wrapped projects. | Situational | |
| Surety Bonds | Performance and payment bonds for public and larger jobs. | Situational |
The coverage gap most often missed
The gap most often missed by waterproofing contractors is the long tail. Leaks and mold often show up years after your membrane is buried, and many GL policies exclude mold, condominium, or tract home work — leaving the claims waterproofers see most uncovered. Confirm your completed operations coverage has no residential or mold exclusions that match your work, add contractor's pollution coverage, and keep photos and inspection records for every job.
Send us the checklist and we'll review your waterproofing contractor coverage line by line, then market it across multiple carriers that compete for your account.
Related: Waterproofing Contractor Insurance · Waterproofing Contractor Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a waterproofing contractor business need?
The core coverages for a waterproofing contractor business are General Liability (incl., Workers' Compensation / Employer's Liability, Commercial Auto. 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 waterproofing contractor 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.