CHES Special Risk Inc. is one of the pre-eminent Insurance Package providers to the Plumbing Industry. Our unique offering is to cover the risks that traditional package insurers may miss or provide at inadequate levels. We, therefore, design our Plumbing Contractors’ Insurance products to provide a specific and tailored policy that gives you realistic cover at the right price and supports the Contractor Industry.

Plumbing Insurance


Policy Terms: Terms offered for 1 year, renewable at each renewal term.

Wordings: All risk policy wording with permission to offer consequences of faulty workmanship, materials and design for the installation floater to the physical damage section.


Limits of up to CAD$5,000,000 are available, and we can offer through our wrap-ups 12 or 24-month completed operations coverage.


Key coverages to be included:

  • Installation floater coverage – minimum $50,000 to maximum $500,000
  • Tool floater coverage on replacement cost basis on items up to 3 years old – $50,000
  • Unscheduled contractor’s equipment – $50,000
  • Contractor’s equipment rental reimbursement – $75,000
  • Loss of earnings on contractor’s equipment – $75,000
  • Replacement cost on contractor’s equipment including leased equipment (up to 5 years) – included
  • Rented or leased contractor’s equipment – $75,000
  • Wordings to be on a broad form basis
  • Includes boiler & machinery insurance coverage
  • Includes business interruption coverage
  • Crime coverage

The replacement cost cover for the tool floater is on items up to 3 years old.

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