Plumbers Insurance in New Jersey

Understanding Plumbing Insurance

Plumbing contractors work in fast-paced environments where even small mistakes can lead to costly water damage, injuries, or project delays. The right insurance package helps protect your business, your employees, and your tools—so you can focus on delivering reliable service to your clients.

General Liability Insurance

Covers third-party claims of bodily injury or property damage—such as a client slipping on a wet floor or a pipe burst causing damage to a home. This is often required for licensing and contract work.

Property Insurance

Protects your business property, including offices, storage facilities, and equipment kept on-site, from losses due to fire, theft, vandalism, and other hazards.

Commercial Auto Insurance

Plumbers depend on vans and trucks to carry tools, parts, and piping materials. Commercial auto coverage protects your work vehicles against accidents, damage, and liability while on the road.

Workers’ Compensation

If you have employees, workers’ comp is essential. It helps cover medical bills and lost wages if a team member is injured while lifting equipment, using power tools, or working in confined spaces.

Inland Marine Insurance

This covers tools and specialized equipment while in transit or on job sites—protecting mobile assets that standard property insurance won’t cover once they leave your business location.

Contractor’s E&O (Errors & Omissions)

If you offer design input or consult on system layouts, E&O coverage protects you from claims of negligence, design flaws, or oversight that lead to costly errors or delays.

Why the Right Insurance Matters for Plumbers

A minor mistake—such as a misfitted pipe—can cause thousands of dollars in property damage. Without insurance, you’re on the hook for repairs, legal fees, and lost time. One claim could shut down operations if you’re not protected. Insurance keeps your business resilient and helps you maintain trust with clients.

Is Your Plumbing Business Properly Covered?

If you repair, install, or inspect plumbing systems in New Jersey, you need coverage. That includes residential and commercial plumbers, subcontractors, and specialty contractors working on bathrooms, kitchens, sewers, or fire suppression systems.

Why Choose Keller Insurance

Keller Insurance understands the daily risks NJ plumbers face. From navigating permits to working in tight spaces, your job isn’t easy—and your insurance shouldn’t add more stress. We’ll match your coverage to your scope of work and help you stay compliant with licensing and contract requirements.

FAQs

Will general liability cover damage to the work itself?

No, general liability typically covers damage to other property—not the work you installed. For example, if a pipe you installed bursts and damages a wall, the wall may be covered, but fixing the pipe itself usually isn’t.

What kind of liability limits do plumbers typically need?

Many plumbers carry at least $1M in general liability coverage, though certain commercial jobs may require higher limits. We’ll help you determine what’s appropriate for your work.

Is tools and equipment coverage included automatically?

Not always. You’ll need to add inland marine coverage to protect tools from theft or damage, especially while in transit or on job sites.