Plumbers Insurance in Ontario
Tailored Coverage for Plumbers, Contractors & Small Businesses
- Comprehensive protection for liability, tools, and vehicles
- Claims support when you need it most
- Bundle policies for multi-policy savings
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.
Protects against third-party injury or property damage claims; covers legal defence costs, medical bills, and settlements
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
Protects vehicles used for plumbing work including vans and trucks; includes liability, collision, and comprehensive coverage; standard personal auto policies don't cover commercial use
Covers business property, office, and equipment from fire, theft, and vandalism for plumbers with storage, workshops, or offices
Covers plumbing materials in transit or at job sites before installation (copper piping, valves, fixtures, fittings)
Replaces lost income during a covered shutdown; covers rent, utilities, and payroll
Tell us about your insurance needs and current coverage.
We shop multiple trusted insurers to find coverage that fits your needs and budget.
Review your options, choose what fits your needs, and get your policy started, often the same day.
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Why do plumbers need business insurance?
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 include: accidental damage, vehicle accidents, tool theft, injury or lawsuit.
Who is plumbers insurance recommended for?
Plumbing insurance is recommended for: Independent plumbers / self-employed tradespeople; Small plumbing companies (1–20 employees); Plumbing contractors handling residential & commercial work; Businesses with fleets, tools, or employees.
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.
Can I get coverage if I work from home?
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.
How can I get a certificate of insurance?
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.
What is plumbers insurance in Ontario?
Plumbers insurance in Ontario is business insurance designed to protect plumbing contractors from financial losses due to accidents, property damage, liability claims, tool theft, and vehicle incidents. It typically includes Commercial General Liability, Tools & Equipment, and Commercial Auto.
Is plumber insurance mandatory in Ontario?
It is not legally mandatory for all plumbers, but it is often required by clients, contractors, and municipalities before work on projects. Commercial clients typically require proof of liability insurance. If you have employees, WSIB coverage becomes mandatory.
Does plumbers insurance cover subcontractors?
A standard policy typically covers direct employees but may not automatically cover subcontractors. You have two options: add subcontractor coverage to your policy, or require subs to carry their own insurance and name you as an additional insured.
Does it include my tools and work vehicle?
Basic plumbing insurance may not automatically include tools or vehicles. Specific Tools & Equipment coverage and Commercial Auto Insurance are required. These can often be bundled with CGL.
What's the difference between liability and property insurance?
Liability insurance protects you when you're responsible for damage to others (third-party claims). Property insurance protects your own business assets from damage or loss. Plumbers typically need both.
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.
