We do not currently quote this product online, but to get a quote in under 15 minutes please give us a call.
What are you looking for?
Manage your policy and information directly with our self-serve options.
Haven't set up your account?
Quickly pay your invoice online using our secure payment system.
Manage on the go, download the BrokerLink Insurance App
Get reliable plumber coverage tailored for you by BrokerLink.
When you’re under a kitchen sink or up in the rafters fixing pipes, every moment counts, and every slip can mean serious consequences. Slips, falls, and injuries from lifting heavy fixtures are not uncommon. Even skilled plumbers can accidentally cause water damage, break a pipe, or damage a client’s property while making repairs.
That’s where plumber-specific insurance comes in. It’s tailored to protect you from plumbing-related risks, like accidental property damage, third-party injuries, on-site mishaps, and tool theft, without skipping out on your right to take risks on jobs that matter. Whether you’re a solo journeyman tackling residential installs or a crew leader servicing commercial clients, insurance helps keep your business flowing.
Need insurance coverage that fits your trade and keeps you ready for anything? Contact BrokerLink today for a free plumber insurance quote and let us build you a plumbing insurance package that's tailored specifically to your needs.
Get a quote
BrokerLink compares rates from a wide range of providers, ensuring you get the best deals available.
Plumber insurance is a specialized type of contractor insurance built for the unique risks of the plumbing trade. While a standard business policy might offer some financial protection, it won’t necessarily cover all of the everyday realities you face in your trade.
This coverage bundles key protections, such as general liability, commercial auto, tools and equipment, and even professional liability, into one policy designed specifically for plumbing work. It’s there to help cover legal costs, repair bills, medical expenses, and replacement costs if something goes wrong on the job. Whether you’re repairing a leaky faucet, installing commercial piping systems, or managing large-scale construction projects, plumber insurance is decided to keep your plumbing business, tools, and reputation protected.
No matter what type of plumbing jobs you take on, your work is guaranteed to come with risks. From solo plumbers working out of their own pickup truck to full‑service plumbing companies handling large commercial jobs, BrokerLink helps protect the people who keep Canada’s water systems working.
Plumbing insurance is ideal for:
Mobile plumbing operations
Plumbing contractors and subcontractors
Licensed independent and employed plumbers
Residential, commercial, and industrial plumbers
Plumbing companies with employees
Specialty plumbing businesses (e.g., hydronic heating, backflow prevention)
Emergency repair teams that answer 24/7 emergency calls
View More
Plumbing is more than just fixing leaks; it’s an essential trade that keeps homes, businesses, and entire communities running. According to IBISWorld, the industry generated approximately $24 billion in revenue in 2024 and employed around 104,000 workers across Canada. With demand this high, the stakes and the risks are just as big, which is why you need insurance.
Plumbing work may seem straightforward, but it’s filled with risks that can drain your finances if something goes wrong. Imagine a burst pipe during a bathroom remodel floods the floor below, a soldering torch sparks a small fire, or a client slips on a wet floor you left behind. You could be facing expensive lawsuits, repair bills, medical costs, and lost income.
But it’s not just about protecting yourself from risks. In many provinces, licensing rules and workplace safety regulators (e.g., WSIB in Ontario) require tradespeople or employers to carry some form of insurance, often starting with general liability coverage. If you’re bidding on contracts, this is also usually a baseline requirement. So, make sure you check your municipal license requirements.
On top of that, professional associations and trade unions may set their own minimum coverage standards to promote things like safety and trust. Finally, many clients will also require you to show proof of insurance before hiring you.
Plumbing is a hands‑on trade that often means crawling into tight spaces, working with pressurized water systems, hauling heavy tools, and travelling from job to job. From an unexpected leak that floods a client’s basement to a fender‑bender while your van is loaded with equipment, the risks can add up fast. That’s why a comprehensive plumbing insurance policy is essential to keeping your business protected. Here’s what to consider for it:
Commercial general liability insurance
Commercial auto insurance
Tools and equipment insurance
Installation floater insurance
Professional liability insurance
Pollution liability insurance
Commercial property insurance
Business interruption insurance
Cyber insurance
Umbrella insurance
Commercial general liability is the cornerstone of plumber insurance. It can cover you financially if you accidentally cause third-party property damage or bodily injury while on the job and after it's completed.
If you use a vehicle for work, whether it’s a cargo van, pickup truck, or fleet vehicle, you’ll need commercial vehicle insurance. It protects you against accidents, property damage, and liability while driving for business purposes.
Plumbing tools are expensive to replace if they’re stolen, lost, or damaged. Tools and equipment insurance helps keep your essential gear, like pipe cutters, drain augers, and welding tools, protected.
Installation floater insurance covers materials and fixtures, like bathtubs, sinks, and water heaters, while they’re in transit, on‑site, or awaiting installation.
Also called errors & omissions (E&O) insurance, this protects you if a client claims your work was negligent, faulty, or caused them financial loss.
Pollution liability insurance is essential for plumbers who work with waste disposal lines, septic systems, or contaminated water systems. This coverage protects you from claims related to accidental pollution, sewage leaks, or hazardous material spills.
If you own or lease a shop, warehouse, or office, this coverage protects the building and its contents against risks like fire, theft, or vandalism.
Business interruption insurance covers lost income and ongoing expenses if your plumbing business has to temporarily close due to a covered loss, like a fire or flood.
Even plumbers store sensitive client information, such as addresses, payment details, and contracts. Cyber insurance helps protect against data breaches, ransomware, and other online threats.
Umbrella insurance is an extra layer of liability protection that kicks in when your other policies hit their coverage limits.
Let us be your resource for all things business insurance
Discover what sets BrokerLink apart. Our commitment to personalized service, expert advice, and comprehensive coverage options ensures you get the best protection tailored to your needs.
26132+ Reviews
Average rating of 4.6
Prompt, helpful with advice and finding the right insurance for my small business.
"I had a wonderful experience with Broker's intact at the Calgary branch of BrokerLink. They were incredibly patient and took the time to explain the differences between my old policy and the new one...
The people I have dealt with are always very helpful and quick with answers to my questions and/or changes to my policy.
Fast, efficient, knowledgeable service. Helpful staff.
Everything went perfectly including prompt follow up.
If you need a broker, this is the best place to deal with! Amazing staff!!
Very fast and effective service. Was insured within 24 hours of initial call. Fantastic service.
Friendly staff very quick turnaround with assistance anytime I’ve ever needed it. I feel very well taken care of by my insurance company.
My experience with broker link has been very positive one of the best experiences I've actually ever had with the insurance company my representative was very knowledgeable very understanding and I wo...
Excellent service, quick, efficient, and professional. Highly recommended.
What a wonderful place of friendly workers always with smiles and happy to help. She sure did wonders on savings me and my hubby on our house and garage insurances next is our vehicles in a couple o...
Your price for my insurance is the best overall and the service for handling my problem was great.. I am a very satisfied customer and I recommend Broker Link with anyone.
Friendly, hassle free service. I'm impressed. Would highly recommend.
Omg... 10 out of 10.. in customer service, helpful and friendly. I would highly recommend this company for anybody's insurance purposes.
Lovely service, great communication and very helpful!!
insurance companies
We shop among Canada’s leading insurance companies to offer you a range of options.
customers
Trusted by Canadians to protect what matters to you for more than 30 years.
employees
Ready-to-serve insurance specialists for your needs.
With plumber insurance, your premium isn’t a simple fixed fee. In fact, it’s the sum of many factors that insurance providers consider, some you can influence, and others that depend on how and where you work. Here's what insurance companies consider when calculating insurance premiums:
A one‑person operation with a small roster of clients has a very different risk profile than a multi‑crew plumbing company handling large commercial contracts. More work and higher revenue often mean more exposure, which can raise premiums.
Urban plumbers often face higher premiums than rural plumbers because of denser populations, heavier traffic, and greater theft risk. But rural plumbing has its own challenges, like longer travel distances and fewer nearby suppliers in case of emergency.
A plumber who mainly handles leaky faucets and fixture swaps at residential homes will likely pay less than one who installs complex industrial systems, high‑pressure boilers, or fire suppression systems in large buildings. The more specialized (and high‑risk) the work, the higher the cost.
Expensive gear, like inspection cameras or hydraulic tools, commands higher coverage limits, increasing your cost. This is because the more expensive the tools and equipment are to replace, the higher your coverage limits need to be to ensure they're fully covered.
The more people you have on your team, the greater the potential for workplace accidents or liability claims. Each set of hands brings value but also risk, which insurance companies factor into your rate.
Do you run a mobile plumbing van or truck? Commercial auto insurance is required for business vehicles, and things like a history of claims or poor driving history can significantly impact your premium.
Choosing higher coverage limits or adding extra coverage like pollution liability, installation floaters, or cyber insurance will increase your premium, but it also means more protection if something goes wrong.
If your claims record shows frequent or high‑value claims, your insurance will probably cost more. On the other hand, a clean track record can work in your favour and help keep premiums lower.
Lowering your insurance costs doesn’t mean you have to cut corners on your coverage. You just need to be smart with your policy. Here are some helpful tips to start saving today:
Bundle your policies (e.g., commercial property and commercial auto) for multi‑policy discounts
Choose the right coverage limits so you're not paying for more than you realistically need
Increase your insurance deductible(s)
Let your provider know if you've taken a safety training course
Maintain a clean claims history
Review and adjust your coverage as your business changes to ensure you're not overpaying
If you're looking for affordable and comprehensive plumber insurance in Canada, contact BrokerLink. Our experienced insurance brokers will walk you through your coverage options and gather personalized quotes based on how your plumbing business operates. We’ll work with you to build a tailored, cost‑effective policy that protects every part of your operation.
Get in touch with BrokerLink today and see how our expert advice and tailored insurance solutions can help your plumbing business thrive. You can reach us by phone, email, or visit us in person at any one of our locations throughout Canada. We also encourage you to take advantage of our free online quote tool, which can provide you with a competitive manufacturing insurance quote online in minutes.
Visit a branch
Check out our wide range of resources, offering valuable information and tools, all in one convenient place.
Check out blog
Service and claims
About us
Not always. Some provinces may require certain coverage for licensed plumbers, but it's not a federal requirement. However, even when it’s not mandated, clients often expect proof of insurance before hiring you.
Many contracts require at least $2 million in commercial general liability, though some commercial or municipal jobs may require $5 million or more.
Yes. Many insurance providers offer flexible policies for part‑time plumbers, so you’re protected no matter how many hours you work.
Generally, you want to keep your coverage in place for at least a year after finishing a job, as some liability claims (e.g., water damage from faulty installation) can surface well after the project ends. Most general liability policies include “completed operations” coverage, but it only lasts for a set period after the work is done, often between 12 and 36 months, depending on your insurance provider and policy.
Yes, almost always. Municipal contracts typically require proof of liability insurance, often with higher coverage limits, before you can start work.
Not automatically. Subcontractors usually need their own coverage. However, some policies may allow adding subcontractors as additional named insureds, but this must be specified in your policy.
You can often receive it the same day as you apply. Once your policy is in place, brokers can usually issue a certificate of insurance (COI) within hours.
Explore our other insurance products to find additional coverage options that fit your needs. Discover more ways to protect what matters most.
Commercial Auto Insurance
Commercial Property Insurance
Commercial General Liability Insurance
Event Liability Insurance
Professional Liability Insurance
Cyber Insurance
Farm Insurance
Home Business Insurance
Equipment Breakdown Insurance
Directors & Officers Liability Insurance
Business Interruption Insurance
Course of Construction Insurance
