Insurance Guide: Hiring a Plumber in Ontario

What to verify before work begins

Every contractor you hire should carry adequate insurance. This protects you if something goes wrong during the project.

• General liability insurance: minimum $2 million (industry standard)
• WSIB coverage: protects you if a worker is injured on your property
• Professional errors and omissions insurance (for design work)
• Vehicle insurance for company trucks on your property
• Ask for a Certificate of Insurance — not just a verbal confirmation

What your homeowner's insurance covers

Standard Ontario homeowner's insurance covers sudden and accidental damage, but has significant exclusions.

• Covered: burst pipes, sudden leaks, storm damage, fire
• Not covered: gradual deterioration, deferred maintenance, wear and tear
• Not covered: damage caused by unlicensed or unpermitted work
• Not covered: flooding from overland water (separate policy required)
• Always notify your insurer before major renovations begin

What happens if a contractor isn't insured?

Hiring an uninsured contractor is one of the biggest financial risks a homeowner can take. If they damage your property, you pay. If they're injured on your property, you may be personally liable for medical costs and lost wages. WSIB coverage is particularly critical — without it, you could face a six-figure claim.

Frequently Asked Questions