416 588 5273Plumbers’ Liability Insurance
Plumbing work is essential in the construction, renovation, and maintenance of residential and commercial properties. While this trade has steady demand for skilled workers in Ontario and can be quite lucrative, it also comes with unique risks. From accidental water damage to faulty installations, injuries, and tool theft, plumbing businesses need comprehensive insurance coverage to stay protected from costly claims and unexpected setbacks.
KASE Insurance is an award-winning commercial insurance brokerage with decades of experience supporting skilled trades across Ontario. Our team designs custom plumbing contractor insurance policies that fully reflect your services, project types, and equipment, ensuring your business stays protected and prepared for every job.
What Is Plumbers Insurance?
Plumbers insurance, also referred to as plumbing public liability insurance, is designed to protect plumbing professionals from liability claims, equipment losses, and job-site accidents. It typically covers risks such as:
- Third-party injuries
- Damage to customer property
- Completed operations that cause harm after a job is finished
- Reputational harm, such as libel or slander claims
This type of coverage safeguards plumbers and plumbing contractors, giving peace of mind and protection against everyday risks. Work with KASE Insurance for an insurance solution that’s tailored to your business operations.
Why Do You Need Plumbers Liability Insurance?
Plumbers face hazards every day, despite wearing appropriate personal protective equipment and following workplace safety protocols. A custom plumbing business insurance policy safeguards your business when the unexpected happens.
Financial Protection
Covers steep medical expenses, legal fees, and repair costs if an accident occurs on the job causing third-party bodily harm.
Risk Management
Plumbing insurance proactively mitigates risk and provides peace of mind, allowing professionals to focus on delivering quality work.
Client Requirements
Many property owners won’t hire contractors without proof of plumbing liability insurance, making coverage essential for bidding on projects.
Business Continuity
Ensures accidents don’t derail your operations or put your company’s future at risk.
Complete Coverage Options for Plumbing Contractors
Plumbing businesses have multiple exposure points, from job-site liability to property damage and vehicle accidents. Bundling your policies under one customized package ensures every part of your operation is protected, without gaps or duplicated coverage.
Commercial General Liability (CGL)
Commercial general liability insurance protects plumbers from third-party injury or property damage claims caused during installations or repairs. It covers legal fees, settlements, and medical costs arising from unexpected on-site accidents. CGL coverage forms the foundation of a complete plumbing company insurance plan.
Commercial Auto Insurance
Adding commercial auto coverage to your plumbing insurance bundle protects your service vans and trucks as they transport tools, materials, and staff. Combined policies help reduce premiums and simplify policy management.
Installation Floater Insurance
Installation floater insurance covers plumbing materials, piping, and fixtures while in transit, stored on-site, or waiting to be installed. It ensures your project materials remain protected from theft or damage before completion.
Pollution Liability Insurance
Pollution liability insurance protects plumbing businesses from claims involving accidental contamination, mould growth, chemical spills, or improper disposal of wastewater and hazardous materials. It covers cleanup costs, third-party property damage, and environmental liability arising from work on drains, sewage systems, boilers, or older buildings.
Contractors Property Insurance
Including property coverage in your plumbing insurance policy protects warehouses, workshops, and stored plumbing inventory under the same umbrella. This creates seamless protection for both your on-site and off-site assets.
Umbrella Liability Insurance
Adding umbrella liability enhances your bundled policy with higher coverage limits for large or unexpected claims. It’s an affordable way to strengthen your protection when bidding on larger commercial or industrial plumbing projects.
Professional Liability Insurance (E&O)
When bundled with your plumbing liability coverage, E&O insurance protects against claims involving advice, design, or oversight. This ensures full coverage for both hands-on work and professional recommendations.
Who Needs Plumbers Insurance?
Any professional working with water systems, piping, fixtures, or gas lines faces job-site risks that require proper protection. This includes:
Plumbers working on office towers, warehouses, factories, and institutional buildings encounter larger systems and higher-value properties. Insurance safeguards against extensive damage, complex claims, and higher liability exposures.
Plumbers who repair, replace, or maintain fixtures in homes face frequent risks such as water damage, slip-and-falls, and customer property claims. Plumbing insurance protects against unexpected costs on everyday service calls.
Contractors overseeing new builds, renovations, or large plumbing projects need coverage for job-site liability, employee operations, tools, and materials. Subcontractors also require protection when working under general contractors.
Tradespeople working on construction projects face risks from incomplete structures, heavy equipment, and ongoing work by other trades. Insurance protects against accidents, faulty installations, and on-site hazards.
Professionals working with waste disposal lines, drain systems, or high-pressure piping face unique risks such as property damage, contamination, or system failures. Insurance helps cover cleanup and liability costs.
Companies with teams of licensed plumbers require comprehensive coverage that protects employees, company vehicles, tools, administrative staff, and all job-site operations.
Does Plumbers Insurance Cover Subcontractors?
Plumbers liability insurance may cover subcontractors, but it depends on how your policy is written and whether those subcontractors meet the requirements for insurance coverage. In most cases, subcontractors are required to carry their own general liability insurance and provide a valid certificate of insurance before they begin work. If a subcontractor is uninsured, inadequately insured, or not properly documented, claims related to their work may be excluded from your policy.
To avoid coverage gaps in your plumbing insurance policy, KASE Insurance can assist with reviewing subcontractor agreements, verifying insurance certificates, and structuring policies that clearly define who is covered, ensuring every person on your job site is properly protected.
Why Choose KASE Insurance for Plumbing Contractor Insurance?
KASE Insurance brokers understand the complex risks of the plumbing industry. From stolen tools to pollution related accidents, our insurance experts work with you to develop the right coverage options for plumbing contractors and business owners.
We partner with Canada’s top insurers to secure competitive rates and deliver comprehensive insurance for plumbers that protects you from potential risks. With industry recognition and years of experience serving contractors across Ontario, KASE Insurance is the trusted choice for plumbing professionals.
Read what clients have to say about KASE
By far the most professional and trustworthy insurance brokerage I have known. We have been working with this firm for number of years now and I have nothing but good to say about their team and services. Stan and his team won't stop until we are fully satisfied. They are always on top of things, super fast in their assistance and very professional. I highly recommend this firm to anyone seeking for great insurance brokerage to work with. Big Thank You to Stan and Kase Insurance for many many years of great service!
Reviewer: Alex K
out of 5 stars
Stan and is team at KASE Insurance have been fantastic in explaining what insurance we needed for our business. Very hands on approach and detailed. I work highly recommend KASE Insurance for any business owner looking for great service.
Reviewer: Kyle Grooms
5 out of 5 stars
The KASE team is very easy to work with. They answer your questions quickly, walk you through the process patiently, and find you great rates. We've been working with them for a few years and we haven't felt the need to shop elsewhere because of their customer service.
Reviewer: Sasha Boersma
5 out of 5 stars
(416) 588 5273 
