Every plumbing job carries risk. From accidental water damage to stolen tools or injured workers, having the right insurance coverage is essential to protect your business and reputation. Whether you're a self-employed plumber or managing a growing team, plumbing insurance safeguards your livelihood against unexpected setbacks.
Even experienced plumbers face unexpected setbacks. Without insurance, one claim could cost thousands in repairs, compensation, or downtime. Insurance for plumbers protects against common risks so your business can keep flowing. Consider these scenarios: a pipe bursts during installation flooding a client's basement, your work van gets into a collision, expensive equipment stolen from your truck, or a customer injury leading to legal action. Morison Insurance helps protect against these financial risks.
Risk Scenarios:
Protects your plumbing business against third-party injury or property damage claims. Covers legal defence costs, medical bills, and settlements if a client is injured on the job or their property is damaged. Example: A client trips over your equipment and breaks an arm. Your CGL coverage handles medical expenses and potential legal fees, protecting your business finances.
Covers damage to your business property, office, or equipment from fire, theft, vandalism and other insured perils. Ideal for plumbers with storage facilities, workshops, or offices. This coverage protects the physical assets that keep your business running, including building contents and improvements. If disaster strikes your facility, you're covered for repair or replacement costs.
Replaces stolen, lost, or damaged tools essential to your plumbing work. Covers portable tools, specialized equipment, and small machinery whether stored in your vehicle, at a job site, or in your shop. An insured plumber with tools coverage maintains business continuity even after theft or damage without the financial burden of immediate replacement costs.
Protects vehicles used for plumbing work including vans and trucks. Includes liability coverage for injuries to others, collision coverage for vehicle damage, and comprehensive coverage for theft or vandalism. Standard personal auto policies don't cover commercial use, making commercial auto insurance essential for plumbers traveling between job sites with equipment and materials.
Covers plumbing materials and supplies in transit or while waiting to be installed at job sites. Protects valuable inventory like copper piping, valves, fixtures, and fittings before installation is complete. If materials are stolen from your vehicle overnight or damaged at the worksite, installation floater coverage reimburses your loss without eating into your project profits.
Replaces lost income if your plumbing business can't operate due to a covered loss like fire, flood, or equipment breakdown. Covers ongoing expenses including rent, utilities, and payroll while you rebuild. This plumber insurance keeps your business financially stable during recovery periods, ensuring you can return to full operation without depleting savings or taking on debt.
Coverage and limits vary by insurer and business type. Morison brokers compare multiple options to find your best fit.
Understanding how plumbing insurance works in practice helps you see its value. Here are real-world examples of claims that demonstrate why insurance for plumbers is essential:
Water Damage Claim: A fitting leaks after installation, causing extensive basement flooding. The homeowner files a claim for water damage, mold remediation, and flooring replacement. Your Commercial General Liability policy covers the damage and repair costs, protecting your business from a five-figure expense.
Tool Theft: $8,000 worth of specialized tools stolen from your van overnight while parked at home. Your Tools & Equipment coverage reimburses the full replacement cost of stolen items, including pipe threaders, inspection cameras, and power tools, allowing you to return to work quickly without the financial setback.
Auto Liability: Your work truck rear-ends another vehicle while traveling between job sites. The other driver suffers minor injuries and their vehicle needs repairs. Your Commercial Auto Insurance covers both the liability claim and repairs to your truck, plus legal defence or medical expenses if needed.
Plumbing insurance is recommended for:
Whether you're a one-person operation or manage a growing team, Morison brokers match insurance coverage to your business size and risk level. The right plumber insurance grows with your business, protecting both current operations and future expansion.
Save time and money by combining multiple business policies with one broker. Combining plumbing insurance with other coverage creates a single renewal date, simplified billing, and potential multi-policy discounts.
Work with a dedicated insurance broker who understands plumbing businesses and takes time to assess your unique risks. Unlike call centers or online-only platforms, Morison provides personalized service from licensed professionals across Ontario.
Key Advantages:
Morison Insurance offers specialized coverage for trades and contractors across Ontario:
Each trade faces unique risks. Explore coverage designed specifically for your industry.
Prefer to work with a local team? Choose your community and we'll tailor options to your area.
Plumbers insurance is business insurance designed to protect plumbing contractors and companies from financial losses due to accidents, property damage, liability claims, tool theft, and vehicle incidents. It typically includes Commercial General Liability, Tools & Equipment coverage, and Commercial Auto Insurance tailored to the plumbing trade.
Plumbers insurance costs vary based on business size, revenue, number of employees, coverage limits, and claims history. Self-employed plumbers may pay $800-$3,000 annually for basic coverage, while larger companies with employees and fleets typically invest $3,000-$10,000+ yearly. Morison brokers compare multiple insurers to find competitive rates for your specific situation.
While not legally mandatory for all plumbers, insurance is often required by clients, contractors, and municipalities before you can work on projects. Commercial clients typically require proof of liability insurance before awarding contracts. If you have employees, Workplace Safety and Insurance Board (WSIB) coverage becomes mandatory.
Standard plumbing insurance typically covers your direct employees but may not automatically cover subcontractors. You can add subcontractor coverage or require subcontractors to carry their own insurance and name you as an additional insured. Your Morison broker can structure coverage appropriately based on how you use subcontractors.
Basic plumbing insurance may not automatically include tools or vehicles. You'll need specific Tools & Equipment coverage for portable tools and Commercial Auto Insurance for work vehicles. These can often be bundled with your general liability policy for convenience and potential savings. Morison brokers help identify coverage gaps.
Liability insurance protects you when you're responsible for damage to others (third-party claims). Property insurance protects your own business property, equipment, and buildings from damage or loss. An insured plumber typically needs both: liability for client protection and property coverage for business assets.
Once your plumbing insurance policy is active, your broker can issue a Certificate of Insurance (COI). Certificates prove coverage to clients and contractors and can list them as "additional insured" when required. Morison brokers provide certificates quickly for bidding deadlines and project requirements.
Yes, home-based plumbers can get contractor insurance. You may need separate business insurance since homeowners policies typically exclude business activities. Morison offers home business packages that combine business liability with coverage for tools and equipment stored at your residence, protecting both personal and business assets appropriately.
From liability to tools and fleet coverage, we'll compare multiple insurers to protect every part of your business.
You don't have to shop around; we'll do it for you. Speak with a Morison broker today and discover how much peace of mind really costs. Get personalized plumbing insurance quotes from top Canadian insurers, all through one dedicated broker who understands your trade. Get started today by calling 1-800-463-8074 or by filling out the form on this page.
