PLUMBER INSURANCE

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Why Is Insurance Important for Plumbers?

Whether you run a one-person operation or a team of plumbers, the projects you work on carry significant risks. Problems with installation of pipes, defects in material, water damage, gas leak – the possibilities are endless 

What’s the solution? Protect yourself and your team with plumbers’ liability insurance. Whether you are a residential plumber or specialize in commercial plumbing, we can provide a bridge to the most comprehensive liability and equipment coverage options.

Get Protected with Plumber Insurance

Plumbers are exposed to numerous risks because of the nature of their work. Plumbing business insurance provides much-needed protection.

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Liability Coverage for Plumbers

In Canada, installing and repairing pipes involves more risk than most other contracting work.
This basic liability coverage protects you against third parties’ property damage and personal injuries.

Third-Party Property Damage

If a pipe installation goes wrong, or a leak occurs due to a material defect, it may lead to significant damage to the property where the pipes are installed. Even if the damages happen or are discovered long after you completed the project, you may be held liable. General liability insurance may provide coverage in such cases.

Third-Party Bodily Injury

Defective installations and leaks may also result in injuries to third parties, or someone may be injured from loose tools lying around while you are working on your project. Such incidents are common, as unfortunate as they may be. General liability insurance may also provide coverage in the case of bodily injuries to third parties.

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Insurance Costs Depends on Many Factors

Number of Employees

Inexperienced plumbers are more likely to make errors. The number of employees you have, and their level of experience will affect your insurance premium.

Location

Temperatures and weather conditions vary from coast to coast. If you’re in BC, Alberta, Ontario, or Nova Scotia weather risks are different and so are your policy costs.

Other Factors

Working on residential versus commercial buildings, whether you offer other repair services – these are all factors that may affect your premium.

plumbing business insurance costs for canadian plumbers

Water Damage

As a subcontractor working on the plumbing of a brand-new condo, you are required to install 1,000 new plumbing fixtures. A few months later, a dishwasher connection in one of the units breaks, floods several units, and causes severe water damage, resulting in a claim costing $45,000.

Fire Damage

While working on a condo renovation, you collaborate with one of your employees to weld a connection when he accidentally sets fire to the insulation in the wall. It takes some time to put out the fire, and unfortunately, there is smoke damage in several rooms.

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Whatever the circumstances are, being protected with a comprehensive contractor insurance policy is the best option!

Why Get a Plumbers’ Insurance Quote From Us?

Forget about finding a local broker, booking an appointment, and waiting for up to a month before receiving a quote. Getting a plumbers’ insurance quote is a breeze with us. Here are four reasons why:

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