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Plumbing Contractor Insurance
Water damage claims can escalate quickly and devastate an uninsured plumbing business. Plumbing Contractor Insurance protects your business with CGL, tools coverage, and contract-ready certificates for plumbers in Mississauga, Ontario, and across Canada.
$2M+
Liability Limits
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$75K+
Tools Coverage
15+
Years Experience
Plumbing Contractor Coverage
What is Plumbing Contractor Insurance?
Plumbing contractor insurance is a specialized commercial insurance package designed for plumbers, protecting against water damage claims, tool theft, and liability exposure unique to the plumbing trade.
Why Plumbers in Ontario Need Insurance
Plumbing work carries significant water damage liability. A single failed connection, burst pipe, or drain backup can cause extensive damage to finished interiors, flooring, drywall, and personal property. In Mississauga and across Ontario, most general contractors and property managers require plumbers to carry minimum $2 million CGL coverage before working on their properties.
Beyond contract requirements, plumbing contractor insurance provides essential protection for:
- Water damage claims from leaks, burst pipes, and failed installations
- Property damage to client homes, condos, and commercial buildings
- Third-party injuries at job sites or client properties
- Tool and equipment theft from vans and job sites
- Legal defense costs for lawsuits and liability claims
- Completed operations claims that arise after you've left the job
Water Damage Exposure
Plumbing is one of the highest-risk trades for property damage claims. Water damage can quickly spread to multiple units in condos and apartments, turning a small leak into a massive claim. Proper insurance coverage is essential to protect your business from these costly scenarios.
Complete Coverage
What Does Plumbing Insurance Cover?
Protection built for plumbing contractors, covering water damage liability, tool theft, and vehicle accidents. Boardwalk structures coverage around your service types, revenue, and contract requirements.
Built For Plumbers
Who Needs Plumbing Contractor Insurance in Ontario?
Whether you're a solo plumber or run a plumbing company, insurance protects your business and helps you win contracts.
Independent Plumbers
Self-employed licensed plumbers doing residential service calls, repairs, and small renovations in Mississauga and surrounding areas.
Plumbing Companies
Established plumbing firms with employees handling residential, commercial, and new construction projects across Ontario.
Residential Service Plumbers
Plumbers specializing in home repairs, fixture installations, water heater replacements, and renovation projects.
Commercial Plumbing Contractors
Plumbers working on office buildings, restaurants, retail spaces, and multi-unit residential properties with higher liability requirements.
Drain Cleaning Specialists
Plumbers specializing in drain cleaning, sewer repair, and hydro-jetting services with unique equipment and liability exposure.
Plumbing Subcontractors
Plumbers working as subcontractors on construction projects who need certificates of insurance for general contractors.
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Know Your Risks
Common Plumbing Insurance Claims
Plumbing work creates unique liability exposure. These are the claim scenarios plumbers deal with most often.
Water Damage Claims
One leak can damage drywall, flooring, ceilings, and personal property. Water damage can spread quickly to multiple units in condos.
Example: A connection fails after installation, flooding a finished kitchen and causing $40,000 in damage to the unit below.
Sewer Backup & Flooding
Sewer line work and drain cleaning can cause backups that flood basements and lower-level units with contaminated water.
Example: A drain cleaning job causes a backup that floods a client's basement, requiring professional remediation.
Property Damage in Finished Spaces
Service calls often happen in high-value finished interiors where accidental damage can be expensive to repair.
Example: While accessing pipes, you accidentally damage hardwood flooring, triggering a $15,000 replacement claim.
Tool & Equipment Theft
Plumbers carry expensive tools and specialized equipment that are frequent targets for theft from vans and job sites.
Example: Your service van is broken into overnight and $12,000 worth of tools and drain cleaning equipment is stolen.
Completed Operations Claims
Plumbing issues may not appear until days, weeks, or months after the work is completed, leading to delayed claims.
Example: A water heater you installed develops a slow leak 3 months later, causing mold damage that requires extensive remediation.
Gas Line & Fire Damage
Plumbers who work on gas lines face additional liability exposure for leaks, explosions, and fire damage.
Example: A gas fitting connection fails, causing a leak that leads to a fire and significant property damage.
Simple Process
How to Get Plumbing Contractor Insurance
Get covered in three simple steps. We'll match you with the right coverage for your plumbing business.
1
Request a Quote
Tell us about your plumbing business—your services, annual revenue, number of employees, and types of work you perform.
2
Compare Options
We shop multiple Canadian insurers to find competitive rates and coverage that meets your contract requirements.
3
Get Your Certificate
Purchase coverage and receive your certificate of insurance quickly—often same-day—so you can get on job sites fast.
Get Answers
Plumbing Contractor Insurance FAQs
Common questions about plumbing insurance coverage in Ontario answered.
Plumbing contractor insurance in Ontario typically costs $1,000 to $4,000+ per year depending on your revenue, number of employees, types of work (residential vs commercial), and claims history. Plumbing is considered a higher-risk trade due to water damage exposure, which can affect premiums. Commercial and new construction work typically costs more to insure than residential service calls.
Plumbers in Canada typically need: Commercial General Liability (CGL) for water damage, property damage, and injury claims (most contracts require minimum $2 million), Tools & Equipment coverage for theft and damage, and Commercial Auto insurance for service vehicles. Depending on your scope, you may also need Professional Liability (E&O) for design work and Umbrella coverage for larger contracts.
Yes, Commercial General Liability insurance for plumbers typically covers water damage claims resulting from your work, including burst pipes, failed connections, leaks, and flooding. This coverage extends to completed operations, meaning you're protected even after you leave the job site if water damage occurs later due to your work. This is crucial coverage given plumbing's high water damage exposure.
While plumbing insurance may not be legally mandated in Ontario, it's effectively required to operate professionally. Most general contractors, property managers, condo corporations, and commercial clients require proof of insurance (typically $2M CGL minimum) before allowing plumbers to work. Without insurance, you'll lose contracts and face significant financial risk from water damage claims.
At Boardwalk Insurance, we can often issue certificates of insurance the same day or next business day once your policy is bound. This helps plumbers meet tight job site deadlines and general contractor requirements quickly. If you need a certificate naming a specific additional insured, let us know and we'll coordinate with the insurer to get it issued as fast as possible.
Completed operations coverage protects plumbers against claims that arise after you've finished a job and left the site. For plumbing work, this is especially important because leaks, failed connections, and water damage may not appear until days, weeks, or months later. This coverage is typically included in your CGL policy and protects you from claims that occur after project completion.
If you're licensed for gas fitting and include it in your policy, CGL typically covers gas-related claims including leaks and property damage. However, gas work is considered higher risk and may affect your premiums. Disclose all services you provide, including gas fitting, when applying for insurance so your coverage accurately reflects your exposure.
It depends on your policy. Generally, your CGL may provide some protection if a subcontractor's work results in a claim, but the subcontractor should carry their own insurance. Best practice is to require certificates of insurance from all subcontractors before they start work, and verify their coverage meets your contract requirements. We can help you understand your policy's subcontractor provisions.
Get Plumbing Insurance That Protects Your Business
Fast quotes, compliant certificates, and coverage designed for plumbing contractors in Mississauga and across Canada. Across Canada
Why Boardwalk Insurance
Competitive Insurance Rates
Access to multiple A-rated carriers means better pricing and coverage options for Mississauga businesses
Quick Quote Turnaround
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We advocate for you throughout the entire insurance claims process — your success is our priority
