Plumbing, heating and cooling contractors present a wide array of risk exposures. Coordination of the company's commercial property & casualty program with the group health & benefits, as well as the personal insurance of the ownership, requires a unique dedication to your industry. Beneficial to you is the fact that Thomas Gregory Associates indeed has a long standing relationship with the plumbing, heating and cooling industries.
A clear illustration of that long standing dedication is our participation in associations such as the PHCC and frequent articles submitted to Connections, Progress and NE HVAC. We help members of these trade groups stay current on the latest issues, and provide them insight to the current conditions of the insurance market and how it can affect them.
Thomas Gregory Associates has developed close alliances with insurance carriers interested in serving the needs of plumbing, heating and cooling contractors. Just as a wrench cannot fit every bolt, so one insurance carrier cannot fit the needs of each contractor. That is why TGA does not send all plumbing contractors to a single, pre-selected carrier; instead, we find the best and most competitive fit for each unique PHCC operation.
We place the following coverages for our plumbing, heating and cooling contractor clients:
- Commercial Casualty
- Commercial Property
- Commercial Automobile
- Workers Compensation
- Umbrella Liability
- Builders Risk
- EPLI
- Crime (1st & 3rd Party)
- Pollution Liability
- Bonds
- Group Health
- Group Dental
- Group Benefits (Life; STD; LTD)
- All Personal Lines Insurance Products
As your broker, Thomas Gregory Associates will also work with you in an effort to avoid potential losses, or to reduce losses which may be experienced. We will do so through sound risk management techniques such as:
- Review of your contracts and your risk transfer agreements used with subcontractors
- Review of certificates of insurance that you are both issuing and collecting
- Review of your certificate tracking program
- Development of or modification (if necessary) to your driver policies & procedures
- Accident Investigation & Reports
- Safety Talks
- Safety Manuals