Plumber’s Insurance Edmonton Alberta

Why do I need Plumber’s Insurance?

• Protection for property, tool, supply and equipment losses due to fire, vandalism, theft and more
• Protection for equipment breakdowns
• Protection for liability losses due to injury or third-party property damage
• Protection for errors and omissions
• Protection for loss of income due to business interruption and more
• Protection for automobile losses due to accidents and vandalism
• Protection for cyber losses due to data loss, credit card breach and other digital threats

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Plumbing Contractor’s face unique risks

As a plumbing contractor the risks you face are unique to you and your insurance should reflect that. Plumber’s Insurance will provide coverage for anything from property damage and injury to theft of tools.

Property Exposures:

• As a contractor if you conduct work on your own premises you will have property exposures. If you construct piping, cutting and welding at the yard site would create fire exposures. Welding also presents a risk from the storage of tanks of gases that must be handled properly to avoid loss. Plastic plumbing and piping use adhesives that are flammable and must be handled and stored properly. If repair work on vehicles and equipment is done in the building, fire hazards may be much higher. Theft can also be a large concern if inventories of valuable metals such as copper or brass are at both the yard and the job sites.

Inland Marine Exposures:

• Inland marine coverage protects contractor’s equipment, goods in transit and the installation floater. Contractor’s equipment could be employees’ tools as well as equipment that is rented, leased or borrowed for specific jobs.

Occupier’s Liability

• Occupier’s Liability is a concern at the job site. Contractors can damage customer’s premises when removing old plumbing and piping and installing new. There is also the possibility of bodily injury to customers.

Completed Operations Exposures

• Once a job has been completed, plumbing contractors can be held liable if their work product causes bodily injury or property damage. While claims of smaller problems can often be resolved with a repair, larger issues may result in legal action.
• If the plumbing or piping is not properly installed and leaks or water damage occur this could result in significant property damage. If sewer connections are faulty, leaking sewage can cause bacteria and disease, and additional substantial property losses.
• Environmental concerns need evaluation from the disposal of waste and the old debris that has been removed from the structure. Proper disposal methods must be used for the type of waste encountered, such as asbestos and other hazardous items. These types of items have serious liability, workers compensation, and environmental considerations.

Equipment Breakdown Exposures

• Plumbing contractors depend on a variety of different equipment to complete work on commercial or residential property, potentially creating significant equipment breakdown exposures as a result. Because plumbers use specialized equipment to complete a job, replacing damaged tools can cost contractors valuable time and money. Moreover, plumbing contractors can experience business interruptions or even lose contracts as a result of an equipment breakdown.

Workplace Safety Exposure

• Workplace safety exposures vary based on the plumbing job. Burns from the welding operation can occur both at the yard site and job site. If welding is done in small, confined locations, additional exposure exists to fire, fumes, and vapours. Cuts and amputations can result from the cutting of piping and plumbing. Fumes and vapours from the adhesives can cause eye, skin, and lung irritations. Ventilation is important. If the contractor does any excavation to connect to utilities or to install sprinklers and irrigation systems, potential losses from digging and trenching could occur.

Automobile Exposures

• Because plumbing businesses usually own a fleet of vehicles and employees travel to and from job sites on a frequent basis, automobile exposures can be significant. Specifically, any time a plumber transports tools or visits a client, the risk for accidents increases. And, just one accident can be extremely costly, as expenses related to vehicle repairs and bodily injuries can add up quickly. What’s more, if employees use their own vehicle for work, standard commercial auto policies are often not enough.

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Plumbing Contractors we cover include:

• Self-Employed Plumbers
• Commercial Plumbers
• Home/Residential Plumbers