Plumbing Insurance

Plumbing Insurance

Whether you’re an independent contractor or operate a team of plumbers, protect your business with plumbing liability insurance.

Zensurance - Plumber Insurance

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Insurance for plumbers

As one of Canada’s essential trades, plumbers ensure water distribution systems work correctly.

Plumbing, however, is not an easy job. Whether you are a residential or commercial plumber, there is a high level of risk, and damaging a client’s property can spark a lawsuit quicker than water rushing out of the floodgates.

At Zensurance, our mission is to make insurance as easy and accessible as possible. We wrote this guide to help you navigate the basics of plumber insurance.

Mistakes happen, and you may be held liable for any unforeseen accidents resulting from business-related activities.

Plumbing liability insurance policy package protects against common risks plumbers face while working on a job site, including third-party bodily injury and property damage.

Plumbing insurance is designed to cover the legal ramifications following an accident resulting in damages, loss, or injury to both equipment you own and the property of your clients. Comprehensive coverage for plumbers typically includes the following coverage:

  • Commercial General Liability Insurance (CGL), also known as plumbers liability insurance, is the most commonly purchased insurance coverage. It provides financial protection against claims or lawsuits alleging third-party property damage or bodily injuries. As a plumber, you are well aware of the amount of damage broken water pipes can cause. If the damage results from services you provided, your Commercial General Liability Insurance would cover the subsequent legal costs.
  • Tools and Equipment Insurance protects the tools and equipment owned by your business against damage, and loss, including theft. Items that are worth over $1500 are considered equipment and anything under classifies as tools. If you own any expensive equipment or work in high-risk areas, this would be a coverage to consider.
  • Pollution Liability Insurance is a specialized form of coverage designed to protect against pollution-related accidents resulting in third-party injury or property damage. Pollution liability insurance is essential for plumbers, as they work on waste disposal lines and water systems. Most CGL policies will have an exclusion for any liabilities caused by pollution. Check with your broker to see if this policy is right for you.
  • Commercial Auto Insurance is designed specifically to cover vehicles used for business purposes. A standard or basic commercial auto policy covers any vehicle used to transport people, materials, packaged goods, and tools and equipment. It also covers trailers you use to haul equipment to and from a job site. You can add optional coverages to it, such as collision or upset coverage.

The cost of plumber insurance starts at around $540 a year for a Commercial General Liability Insurance policy with a $2M coverage limit. Premiums will vary depending on several factors, including:

  • Years of Experience
  • Services
  •  Location
  •  Annual and Projected Gross Revenue
  •  Number of Employees

Zensurance has partnered with over fifty insurance providers to offer the policy that best suits your business needs at the lowest price.

Regardless of how careful you are, any contractor or business providing plumbing services should protect their company with a tailored plumbing business insurance package.

We’ve insured 1000s of contractors within this industry; some of our clients include:

  • Master Plumbers
  • Pipe Fitters
  • Septic Tank Installers
  • Sprinkler Installers

Not only will it protect you from financial loss, but it also helps in securing new contracts. Most property owners looking to hire a plumber will want to see a certificate of insurance before signing a contract.

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Common claims scenarios

firefighter at residence

Problem: While soldering copper pipes in a client’s kitchen, one of your sub-contractors accidentally starts a fire in your client’s home. The client sues your business for property damage.

Outcome: Your Commercial General Liability Insurance policy could cover the cost for legal defence and repair of the property.

work van driving at night

Problem: While attending a client emergency in the middle of the night, a thief steals your tools from your truck.

Outcome: Your Tools and Equipment coverage may reimburse the cost of replacing your stolen tools.

plumber installing water heater

Problem: You incorrectly install a new water heater in a client’s home. Over time, the heater leaks, producing a mold, which causes several family members to fall ill.

Outcome: The client successfully sues you for bodily injury and property damages. Your Pollution Liability Insurance policy could cover the lawsuit and medical fees.

Frequently asked questions

Grey water that sprayed out from a faucet I was replacing at a residential property damaged my customer’s floor. Will my policy cover me?

Yes. Your plumber insurance policy includes general liability insurance, which covers costs associated with third-party property damage resulting from your work.

What coverage limit does a plumbing insurance policy provide?

You can choose the coverage limits and deductibles for your plumbing insurance policy. Many plumbers choose a general liability coverage limit of $1 million, but you can increase it to $2 million or higher. Speak to a Zensurance broker to determine what coverage limit suits you best.

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Ready to start? Let’s get a quote!

Don’t let an accident or threat of legal action drain your finances and sink your reputation. Fill out an online application to get a free plumber insurance quote from Zensurance.

Our friendly brokers will work closely with you to customize your policy to suit your needs. With more than 50 Canadian insurance providers in our partner network, we can find you the right coverage at a price that meets your budget.