Plumbers Liability Insurance in Ontario

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Written by Nolan Wilson Updated on October 17, 2025 min read

Find the best rates on plumber’s liability insurance

A lot of things could potentially go wrong when working on plumbing. All it takes is one mistake to put you at risk. A business insurance policy designed specifically for plumbers in Ontario will protect you against threats and liabilities. ThinkInsure will help you compare plumbing business insurance quotes. We’ll find you the lowest premiums and the best coverage. Start a quote online, or call us to compare your options.

Top things to know about plumbing insurance

Licensed plumbers in Ontario are required to have commercial general liability insurance.
Plumbing insurance is typically offered as a customizable insurance bundle.
Basic plans can start as low as $500 annually for $1 million in liability coverage and go up from there.

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Tell us about your plumbing liability insurance needs. Our commercial insurance experts will find you the best plan and quote from the top providers in Ontario.

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What is plumbing insurance?

Plumbing insurance is an insurance package offered by insurers. It is customizable and can include coverage to protect plumbing professionals against the common risks associated with working in the trade. Policies include third-party liability and property damage protection, which is legally required for all licensed plumbers in Ontario.

Why do plumbers need insurance?

plumber repairing kitchen ink, pipes, plumbing insurance

Plumbers need insurance not only to protect against unforeseen events, they need it to protect their business and generate revenue. People typically don’t hire plumbers who are not licenced and insured. Having a certificate of insurance (COI) is a way of securing new customers and contracts. Accidents happen on the job site, and if you’re not protected, it could lead to significant financial loss.

What are the most common types of risks/threats for plumbers?

Water is one of a property owner's biggest threats, and plumbers work with it daily. Here are some of the common threats insurance can protect you against:

Water leaks
Fire damage from soldering accidents
Causing property damage
Stolen and damaged tools and equipment
Lawsuits against your company
Slips and falls

What types of plumbing companies need insurance?

If you work in the plumbing industry, you need insurance. Here’s a list of the types of plumbing professionals who should have coverage:

Master plumbers
Residential plumbers
Commercial plumbers
Construction plumbers
Sanitary plumbers
Water supply plumbers
Independent plumbers
Gas technicians
Pipelayers
Steamfitters
Sprinkler installers

What does a plumber's insurance policy cover?

Plumbing insurance plans cover you financially and legally following the submission of a claim. Here is what policies cover:

Plumbing equipment: Tools of the trade, equipment, supplies, and materials.
Property: Your shop, office, supply store and business vehicles.
Liability: Protection if Liability claims are brought against you, including bodily injury, lawsuits, and legal defense costs.
Damage to third-party property: Damage caused by you or employees while working on a client's property.

Plumbing insurance claims examples

Example #1

An employee installs a new sink in a customer's kitchen. However, one of the pipe connectors fails and leaks, causing water damage to the floor, basement wall, and ceiling. The customer sues for property damage. Your liability insurance covers the cost of repairing the damage.

Example #2

You are working on a commercial job site. Once you arrive, you take the necessary supplies and head into the building. After an hour, you come back to your van to find it's been broken into and all your tools are gone. You file a claim with your insurer, and they cover the cost of replacing your stolen tools.

What type of insurance coverage should plumbers include in their policy?

plumber inspecting, ceiling pipes, plumbing insurance

Plumbers should have commercial general liability insurance at a bare minimum. It is one of the most important forms of coverage any type of contractor can get. But this is just the start. Comprehensive plumbers insurance packages also include:

Tools and equipment protection: Get protection for loss, damage, or theft of your plumbing tools.
Errors and omissions insurance: Everyone makes mistakes. Be protected if you or an employee makes an error.
Installation floater insurance: Protect materials and supplies for extensive plumbing projects.
Pollution liability insurance: Get protection for risks of causing environmental damage. This includes cleanup and emergency response fees.
Surety bonds: Ensure you are bonded to meet client requirements to secure new projects.
Commercial property insurance: Protect your shop and storage locations.
Commercial auto insurance: Coverage for your work trucks. Get fleet insurance if you have multiple vehicles.
Equipment breakdown insurance: Have coverage if your equipment unexpectedly requires repairs.

How much does plumbing business insurance cost?

Insurance for plumbers can vary greatly. Basic policies can start at $500 and go up to $3,000 yearly. Factors that can impact your premiums include:

Type of plumbing services offered (residential or commercial)
Company size, number of employees
Plan type and coverage limits
Policy add-ons
Insurance and claims history

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Plumber insurance FAQs

Is plumbers' insurance coverage legally required in Ontario?

Licensed plumbers in Ontario are required to have commercial general liability insurance and mandatory workplace safety insurance for their employees through the Workplace Safety and Insurance Board (WSIB). You'll need to show proof of both to secure larger contracts.

What is not covered by a plumber's insurance policy?

Plumbers' insurance covers you for liability and legal fees, property damage, and bodily injury. However, plans often exclude coverage for poor workmanship, wear and tear, employee theft, intentional damage and some higher risk project work. When you remove a policy, ensure you know what is and is not covered.

Do I need insurance if I'm an independent plumber?

It's very important for solo licensed plumbers to have insurance. It will protect your financial well-being and protect you from lawsuits or other unforeseen events that could put you out of business.

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Contact us today for an insurance assessment and get a free quote for insurance for your plumbing business. We will compare rates from the top insurers in Canada to find the best insurance policy and help you save more.

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Nolan Wilson

Content Marketing Manager

Nolan is a content marketing manager and writer at ThinkInsure. He has 15+ years of experience in the insurance industry, working with brokerages and direct insurers to create compelling insurance content, specializing in auto, home, and commercial.

Plumbing Insurance

Save on insurance packages for plumbers and protect your Ontario plumbing business against liabilities.