Plumber’s Insurance in New Jersey

Who Needs Plumber Coverage?

Whether you’re an independent residential plumber, a small shop with service vans, or a commercial contractor managing multiple crews, dedicated plumbing insurance keeps your business protected. From an unexpected leak after a fitting failure to an employee injury on-site or a stolen jetter from a work van, the right coverage helps safeguard your reputation, finances, and schedule.

Core Policies for Plumbing Businesses

General Liability

Covers third-party property damage and bodily injury claims—like water damage from a burst pipe during a repair or a slip in a wet work area. It also includes products–completed operations, critical for claims that arise after you’ve finished the job. We’ll align Additional Insured and Primary & Non-Contributory endorsements to meet GC and facility requirements and keep your contracts compliant.

Workers’ Compensation

Provides medical and wage benefits if an employee is hurt on the job—such as a back strain from moving a water heater, a burn from soldering, or a fall while working under a sink. It also includes Employers Liability coverage. We’ll help maintain accurate payroll classifications and adjust coverage as your workforce expands or takes on seasonal work.

Commercial Auto

Protects your business vehicles—service vans, trucks, and trailers—used to transport parts, tools, and equipment. Coverage includes liability, physical damage, and optional Hired & Non-Owned Auto for rented or employee-owned vehicles. Add-ons like glass replacement, towing, and rental reimbursement keep your routes running even when a vehicle is out of service.

Tools & Equipment (Inland Marine)

Covers portable equipment such as drain machines, pipe threaders, cameras, and torches—whether stored at your shop, in transit, or on the jobsite. Choose scheduled or blanket limits, and include coverage for rented or borrowed tools. Preventative measures like locked storage and tool tracking can support lower deductibles and faster claims resolution.

Professional Liability (E&O)

Protects against claims involving design or installation advice—for example, a misjudged pipe slope leading to drainage issues or a system recommendation that results in costly rework. Written on a claims-made basis, this coverage helps close the gap between workmanship and professional consultation exposures.

Why Plumbers Choose Us

Plumbing is a skilled trade with complex risks—pressure systems, hot work, and water intrusion can all lead to costly claims. As a New Jersey-based independent agency, we understand the local conditions that impact plumbers—from older housing stock and tight basements to high groundwater and municipal permitting requirements. We align coverage with your contracts, ensure your certificates meet GC standards, and help you build an insurance program that reflects how you really work.

Practical Risk Control for Plumbers

• Pressure-test all systems before completion and document results.
• Use proper soldering and heat shielding methods to prevent fire damage.
• Secure tools and materials in locked vehicles overnight or on site.
• Maintain MVRs and enforce fleet safety policies for all drivers.
• Photograph job progress and completed work to help manage future disputes.
• Train team members on confined-space entry, PPE, and hot work procedures.

Frequently Asked Questions

Do I need insurance if I’m a solo plumber?

Yes. Even a one-person operation faces risks like water damage or client injury. Many homeowners, property managers, and GCs require proof of insurance before hiring you.

Are subcontractors covered under my policies?

Generally, no. Subcontractors should carry their own insurance. We can help set clear COI requirements and language to protect your business from their mistakes.

Can I add vehicles or tools as my company grows

Absolutely. As your fleet and inventory expand, we’ll update your schedules and endorsements so your new assets are protected without gaps.

What limits do I need for commercial plumbing work?

Most commercial contracts require at least $1M per occurrence in General Liability, often supplemented with an Umbrella policy for higher requirements. We’ll help structure your limits based on your project types and client expectations.