Professional Liability Insurance in BC (2026)
Professional liability (E&O) covers financial damage a client suffers from your advice or work. In 2026, BC premiums run $550/yr for solo consultants up to $4,800/yr for IT and accounting firms. Median is around $1,100.
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Insurance by Industry
Roofing Insurance BC — $5,000 to $20,000+/yrTrucking Insurance BC — $8,000 to $15,000+/truckContractor Insurance BC — $1,500 to $5,000/yrExcavation Insurance BC — $4,500 to $18,000/yrWelding Insurance BC — $4,000 to $15,000/yrRestaurant Insurance BC — $2,000 to $8,000/yrRetail Insurance BC — $800 to $3,000/yrTechnology Insurance BC — $1,000 to $5,000/yrLandscaping Insurance BC Electrician Insurance BC Plumber Insurance BC HVAC Insurance BC Manufacturing Insurance BC Security Insurance BC Cleaning Insurance BC Auto Repair Insurance BC
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Frequently Asked Questions
How much does roofing insurance cost in BC?
Roofing insurance in BC ranges from $5,000 to $20,000+ per year. Roofers doing torch-on or hot work pay $12,000–$25,000+. Vancouver roofers pay 10–20% above BC average.
How much does plumber insurance cost in BC?
Plumber insurance in BC ranges from $1,400 to $26,000+ per year depending on revenue and work type. Solo residential plumbers pay $1,400–$3,500, while large commercial/sewer firms pay $10,000–$26,000+.
How much is contractor insurance in BC?
Contractor insurance in British Columbia typically costs $1,200 to $25,000+ per year depending on your trade, annual revenue, and claims history.
How much does business insurance cost in BC?
Business insurance in BC typically ranges from $500 to $30,000+ per year depending on your industry, revenue, number of employees, and claims history.
What types of business insurance do I need in BC?
Most BC businesses need Commercial General Liability (CGL) insurance at a minimum. Depending on your industry, you may also need professional liability, commercial property, commercial auto, and WorkSafeBC coverage.
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