We Know Plumbing Insurance

Calgary homes and businesses have a lot of plumbing infrastructure, keeping plumbers busy in our city. While you’re busy keeping the city’s plumbing systems running smoothly with timely repairs and professional installation services, Krywolt Insurance is taking care of providing you with plumbing insurance in Calgary, to ensure you and your business are protected from any plumbing-related mishaps or accidents.

If you are a plumber working as a sole trader, contractor or if you are running a plumbing business you know that getting the right insurance for your plumbing business is imperative. The right Calgary plumbing insurance policy can protect you and your business against losses from material damage, property damage and injury.

What Is Calgary Plumbing Insurance?

If you are a plumber working as a sole trader or contractor, or if you are running a plumbing business, you know that getting insurance for your plumbing business is imperative. The right Calgary plumbing insurance policy can protect you and your business against losses from material damage, property damage or loss, unforeseen disruptions, and injury.

As a plumber, you know that every day you are faced with worksite risks and property damage risks, and because plumbing can involve working with hazardous chemicals, gas, water, heat and electricity, you are exposed to a number of risks. That's why it's crucial to have comprehensive insurance coverage for plumbers that includes general liability and professional liability to protect yourself and your plumbing business from potential, devastating financial losses. It protects not only you, your employees, and your business; it also helps protect your loyal customers and provides them with peace of mind knowing that they are hiring a responsible and insured professional.

Krywolt Insurance works with plumbers, big and small, to ensure you have the right insurance for your plumbing company.

Who Needs Plumbers Insurance in Calgary?

If any part of your business deals with plumbing, having insurance in Calgary is critical to protecting yourself or your business from potential liability. Having the right Calgary plumbing insurance policy can provide peace of mind and financial protection in the case of unforeseen incidents. Some workers who need insurance for plumbers include:

• Residential plumbers
• Commercial plumbers
• Industrial plumbers
• Self-employed plumbers
• Independent contractors
• Plumbing contractors
• Plumbing repairmen
• Plumbing fixture installers
• Plumbing company owner
• Master plumbers
• Property managers
• Pipe fitters
• Septic tank installers
• Sprinkler installers
• HVAC technicians
• Heating and cooling contractors

If you think you need plumbing insurance, Calgary plumbing professionals and workers can contact their Krywolt Insurance agent for more information on coverage options and to discuss their specific needs regarding insurance for plumbers.

What Does Calgary Plumbers Insurance Cover?

The coverage in your Calgary plumbing insurance policy is as varied as your business. We understand that every plumbing business has unique needs, which is why our business insurance policies are customizable to provide the specific coverage you require. Whether you're a small independent plumber or a large plumbing contractor, we have the right Calgary plumbing insurance package for you. Plumbing insurance in Calgary can include:

Commercial Auto Insurance

Having auto insurance is mandatory for all Albertan drivers. But did you know there is a difference between personal and commercial vehicle insurance? While personal auto insurance covers individuals for personal use of their vehicle, commercial auto insurance is designed for businesses that use vehicles for work purposes. Commercial insurance typically provides more coverage for liability and property damage related to business activities.

Plumbing insurance in Calgary includes commercial auto insurance because plumbers often use their vehicles to transport their equipment and travel to different job sites. This type of coverage ensures that in the event of an accident or damage caused during work-related activities, the plumber and their business are protected financially. Additionally, commercial auto insurance may also include coverage for tools and equipment stored in the vehicle, offering further protection for plumbing businesses with auto insurance for plumbers.

Commercial General Liability (CGL)

A CGL aims to protect your business against liabilities that could cause harm to a third party because of your products, premises or operations, allowing you to continue operations as usual when dealing with real or fraudulent claims against you.

A policy for plumbing insurance in Calgary often includes CGL because it provides comprehensive coverage for the risks typically associated with plumbing operations, such as bodily injury or water damage to your client's property caused by faulty plumbing installations or the repair process, making it a vital piece of liability insurance for plumbers. Some of the things covered under your Calgary plumbers insurance include:

• Bodily Injury Claims
• Advertising Injury
• Personal Injury
• Property Damage
• Automatic Additional Insurance
• Legal Costs
• Medical Expenses
• Occupiers and Operations Liability
• Products Liability

Mobile Property Insurance

By having mobile property insurance for plumbers, you’re protecting any of your commercial property and equipment from perils, including fire, theft, and natural disasters while in transit or in a temporary location.

This is an important piece of insurance for plumbers because you’re often moving around with expensive tools, replacement parts, and specialized equipment while you’re working in different locations all over Calgary, so plumbing insurance coverage that includes mobile property helps to protect your investment and ensure that you can continue working even in the event of unforeseen circumstances.

It even provides Calgary plumbing insurance coverage for any heavy equipment that may be needed to dig a trench for a new sewer line installation or another plumbing service.

Business Interruption Insurance

Having business interruption insurance for plumbers helps protect your business in the event of unforeseen circumstances that may disrupt your operations, such as natural disasters or equipment failures. By having this plumbing insurance, Calgary plumbing professionals will have the financial support to cover any loss of income, fixed costs, or additional expenses incurred during an event that causes a business interruption, such as prolonged power outages or equipment malfunctions.

However, it is important to note that even with this coverage, your Calgary plumbing insurance policy may not cover some natural disasters, like a flood, that could disrupt your operations, so it’s important to speak with your Krywolt Insurance agent about including coverage for these events, especially if you live in a high-risk area.

Equipment Breakdown Insurance

When getting plumbing insurance, Calgary plumbers should consider including coverage for equipment breakdowns. That’s because you’re often using highly specialized, and expensive, equipment such as sewer cameras or hydro-jetting machines, which can be prone to malfunctions. Without this coverage in your plumbing insurance, Calgary plumbers and businesses would be on the hook for costly repairs or replacements if these essential tools were to fail. It's important to have comprehensive insurance that covers all possible scenarios to protect your business and livelihood.

This kind of insurance for plumbers can help mitigate the financial impact of unexpected equipment failures, allowing plumbers to focus on their work with peace of mind.

Other Kinds of Insurance for Plumbers

Calgary plumbing insurance aims to provide quality protection for your plumbing operations, reducing liability and risk and providing a safety net when something goes wrong. In addition to the types of insurance for plumbers listed above, your plumbing insurance policy in Calgary can also include coverage such as:

• Crime insurance/fidelity insurance
• Cyber insurance, or cybersecurity
• Surety bonds
• Commercial property insurance
• Pollution liability insurance
• And more!

Be sure to speak to your Krywolt Insurance agent about the types of coverage you need for your plumbing company, so we can help you craft a customized policy that provides you with the Calgary plumbing insurance you need to continue your operations smoothly and protect your business from potential risks. Our experienced agents understand the unique challenges faced by plumbing companies and can recommend comprehensive coverage options tailored to your specific requirements.

Is Insurance for Plumbers in Alberta Legally Required?

Technically, having plumbing insurance in Calgary or anywhere else in Alberta is not legally required. That being said, it is a very good idea to have some sort of business or plumbing insurance. Calgary plumbers are frequently exposed to various risks and liabilities while working on different projects, making insurance a crucial safeguard for their business. Any number of issues could arise during a plumbing job, including accidental damage, injuries, or property damage. Without adequate coverage, unforeseen accidents or damages could potentially jeopardize your livelihood.

Having plumbing insurance ensures Calgary plumbing professionals and businesses are able to continue with their daily operations and serve the needs of their customers, regardless if equipment breaks down, a company van goes missing, a plumbing repair mishap causes damage to your client’s property, or if you’re facing a lawsuit. Regardless of the size of your operations, having plumbing insurance in Calgary is meant to help protect you in the event of the worst case scenario.

How Much Will It Cost to Get Plumbing Insurance in Calgary?

It can be hard to provide an exact price quote for your Calgary plumbing insurance without first learning more about your plumbing business, operations, and needs for coverage. However, there are a number of factors that can impact what type of coverage you need, and how much it will cost for your desired plumbing insurance. Calgary policies will differ depending on your:

• Location
• Years of experience
• Coverage limits
• Annual revenue and projected revenue
• Number of employees
• Whether you do commercial or residential work
• Specific services you provide
• Tools and equipment you use
• Claims history
• And more!

Speak to one of our Krywolt Insurance providers about your coverage needs to get an estimate on what your Calgary plumbing insurance costs may look like.

How Can I Get an Insurance Quote for Plumbing Insurance?

Calgary plumbers or businesses seeking coverage should contact their Krywolt Insurance agent. We don’t offer instant quotes for plumbing insurance in Calgary because there is no way we can get to know you and your business without speaking to you and coming to understand all the complexities, or simple processes that need to be insured. As your plumbing operation can range from a single-person operation to a local franchise to a focus on industrial systems, we can’t put together a one-size-fits-all policy, so it’s best if we can speak with you to learn more about the size, focus, and specific needs of your business before making recommendations and providing you with a quote for your Calgary plumbers insurance.

Let’s Work Together

You need an insurance expert that understands insurance for plumbers to be able to define all the possible risks associated with your business, so you get the best possible Calgary Plumbing Insurance coverage to ensure that a single simple accident or oversight doesn’t overcome your business. You know your business, and we know the risks and the ways to protect your business from potentially crippling lawsuits or loss. So contact us today to schedule your consultation appointment, and see how we can help you with your personalized Calgary plumbing insurance package.