Independent insurance agencySouth Carolina Plumbing, Heating, and Air-Conditioning Contractors: Protect Your Business with Coterie GL and BOP
Running one of the plumbing and HVAC contractors in Myrtle Beach, Rock Hill or anywhere else in the Palmetto State means juggling customers, staff and suppliers. Insurance shouldn’t slow you down. America Insurance Brokers quotes South Carolina owners through Coterie (Insurance provider) with a digital process that takes minutes.
Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.
A class Coterie knows well
On Coterie’s own Top 100 classes list from December 2025, Plumbing, Heating, and Air-Conditioning Contractors is ranked #3. In other words, this is a business type Coterie actively writes.
Where claims come from
Watch for water damage to a customer’s home, a slip over tools in a hallway, and property damage that shows up after a job is done. Homeowners and GCs often want proof of liability coverage before you start, and certificates matter for winning bids. A customer’s medical bills or a repair bill for someone else’s property can fall on you if you’re found negligent.
Two ways to protect the business
General liability (GL): covers bodily injury, property damage and, for most classes, personal and advertising injury claims. Limits run from $300K to $2M per occurrence, with aggregates at double the per-occurrence limit.
Business owner’s policy (BOP): A BOP can protect office property and equipment, and contractor tool coverage can be added with higher limits. Bundling everything in one policy keeps renewals and certificates simple.
Appetite notes for this class
Contractors: eligibility runs to $5M in revenue and 15 employees, and the appetite excludes general contractors, paper contractors, firms whose subcontractor costs top half of revenue, equipment rental to others and exterior work above three stories. Plumbers can’t do new building or home construction, work more than 6 feet underground or medical gas lines. General eligibility: up to $10M in revenue and 50 employees, one location per policy, no more than two losses in five years (none over $15K), and no prior cancellations or non-renewals.
The service side
Coterie lets you get a quote and bind online, and AIB can issue certificates of insurance on demand so you’re not waiting when a landlord or client asks. Policyholders also get Manage My Risk, with free safety checklists, OSHA updates and personalized risk plans.
Coverage is subject to underwriting and availability.
Get a quote
Start your Coterie quote online, or call America Insurance Brokers to talk through your options for South Carolina plumbing, heating, and air-conditioning contractors.
Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.