Plumber insurance that’s the right fit for your business
No matter if you’re a plumbing business owner or a master plumber, and specialize in residential or commercial installations, pipe fittings, septic tanks or sprinklers, we’ve got you covered with insurance packages customized to your unique needs.
Get a free quote on plumbing insurance
Let us sweat the insurance details while you focus on your business. As an outlet for over 70 of Canada’s top insurers, our commercial insurance experts will find you fantastic plumber coverage at some of the best prices in Ontario.
Home-based businesses need insurance too
Run your plumbing company out of your home? If you store tools, business supplies and inventory like pipes or plumbing fixtures in your house, your home insurance likely won’t fully cover you. Our contractor insurance experts will make sure you have the right protection for all of your business assets.
What does plumbing insurance cover?
Plumbing insurance starts with the basics like liability, tools, property and vehicle coverage. Have a closer look:
Commercial general liability
This protects your business if your work leads to property damage or causes an injury to a customer or someone else. If you use subcontractors they should have this coverage too.
Commercial auto
Covers your office, warehouse, inventory, supplies and more against fire, storms, burst pipes, vandalism and theft. If you work out of your home, we have coverage for that too.
Tools and equipment
Protects your benders, torches, snakes, cutters and other essential tools from damage or theft. It also pays for short-term rentals so you can keep working after a claim.
Commercial property
Covers your office, warehouse, inventory, supplies and more against fire, storms, burst pipes, vandalism and theft. If you work out of your home, we have coverage for that too.
Good to know: Common questions about plumber insurance
How much is plumber insurance in Ontario?
Premiums for plumbing contractors vary widely depending on a number of factors, including:
- Whether you work on commercial or residential plumbing
- Whether you work on new builds, repairs or renos
- Your past claims history
- Your experience in the business
- Your annual revenues
- Where your business is located
- How many employees you have
For a small plumbing business with no office or vehicles to insure, premiums can start around $900 a year. Talk to one of our contractors insurance specialists for a more detailed quote.
What is included in plumber insurance?
Every plumbing business is different, but the following coverages are fairly standard for the trade:
- Commercial general liability coverage, to protect against lawsuits
- Tools and equipment coverage, to protect your wrenches, torches, snakes, benders and cutters
- An installation floater protects any pipe and plumbing fixtures before and during installation
- Commercial auto insurance, to protect your van, even if it’s your personal van
- If your plumbing business has an office or shop, you would also need commercial property coverage, including contents coverage for your business supplies and inventory.
What kind of claims should I watch out for as a plumber?
The obvious answer is water damage claims. All day, every day, you make connections or you fix connections. If one of those connections fails, even years after the fact, your plumbing business could be held responsible for the resulting water damage. Fire claims are also something to be aware of if you or your staff are using torches in tight spaces. The third most common claim for plumbers is stolen tools, usually from unlocked vehicles or work sites.
More about common plumbers insurance claims
Your business is unique, so are your insurance options.
Being an outlet for over 70 of Canada’s top insurance companies means our commercial experts have access to a wide range of coverage options as unique as your business – at some of the best rates in Ontario. We sweat the details so you can focus on your business. Want to learn more about the coverage options available to you? Here’s a few of them.
