Plumbers Insurance in New Jersey
Protection for Water, Pressure Systems, and High-Liability Installations
Plumbing professionals keep homes, businesses, and facilities running safely and efficiently. But with pressurized systems, gas lines, water damage exposure, and complex code requirements, even routine service carries risk. At the Oliver L. E. Soden Agency, we help New Jersey plumbers protect their businesses, tools, and teams with insurance designed for the realities of pipework, installation, repair, and emergency response work.
Insurance Coverage for New Jersey Plumbers
From residential bathroom remodels and leak repairs to commercial boiler rooms and industrial piping systems, plumbing work spans a wide range of environments and risk levels. A burst pipe, faulty connection, or gas leak can quickly result in property damage, mold growth, or health hazards. We build coverage programs that align with your licensing, contracts, and safety standards—so you can focus on the work, not the risk.
Key Coverages for Plumbing Contractors
General Liability Insurance
Protects against third-party property damage or injury—such as a water line installation that later leaks and damages flooring or a client slipping on a wet work area. Completed operations coverage is especially important for plumbers, as many claims arise after the job is finished.
Workers’ Compensation Insurance
Covers employee injuries from slip-and-falls, burns, tool accidents, or lifting strain. Workers’ Comp helps pay for medical bills and lost wages and keeps your plumbing business compliant with New Jersey labor laws.
Commercial Auto Insurance
Service vans and trucks carry tools, fittings, and equipment daily. Commercial auto covers business vehicles used for service calls, jobsite transportation, and material pickup, including options for attached equipment and rental or employee-owned vehicle usage.
Tools & Equipment (Inland Marine)
Covers your pipe threaders, drain machines, torches, leak detectors, cameras, wrenches, and other tools on the job, in transit, or stored in your vehicles or shop. Blanket or scheduled options available—including coverage for contractor-owned or leased equipment.
Professional Liability (Errors & Omissions)
Adds protection for claims tied to system design advice or consultation—such as recommending incorrect pipe sizing, misinterpreting building schematics, or providing guidance that leads to code violations or system failure.
Commercial Property Insurance
If you operate a shop or storage yard, property coverage protects your building, inventory, materials, and office equipment. Optional business income coverage helps replace lost revenue if operations are interrupted by a covered loss.
Umbrella Liability
Provides an added layer of protection over primary liability policies. Many commercial projects and GC contracts require higher limits—an umbrella policy helps meet those requirements and protects against major claims.
Why Plumbers Choose the Oliver L. E. Soden Agency
Plumbing isn’t a one-size-fits-all trade—your coverage shouldn’t be either. As a New Jersey independent agency, we understand the unique exposures plumbers face, from emergency calls and gas lines to multi-unit buildings and aging infrastructure. We help align your coverage with state licensing, permitting requirements, subcontractor agreements, and general contractor insurance standards, giving you confidence on every job.
Protect Your Plumbing Business Today
Whether you’re clearing drains, replacing water heaters, installing gas piping, or building whole-home plumbing systems, protect your work, equipment, and team with tailored insurance from a local provider.
Contact us today for a policy review and custom quote for plumbers across New Jersey.
FAQs
Do plumbers need both General Liability and Workers’ Compensation?
Yes. General Liability protects you if your work causes property damage or injury to others. Workers’ Compensation covers medical expenses and lost wages if your employees are injured on the job. Both are essential for licensed plumbing contractors in New Jersey.
Can you provide certificates for the general contractor or municipal requirements?
Absolutely. We can issue certificates with Additional Insured and Primary & Non-Contributory endorsements and help you meet contract and permit requirements promptly.
Are my tools covered if they’re stored in my vehicle overnight?
Yes—with an Inland Marine policy. Your tools and equipment are protected on job sites, in transit, and stored in your vehicle or shop, subject to your coverage terms and deductibles.
Minimize Your Risk
Industries Served
- Air Conditioning & Heating (HVAC)
- Alarm Installation
- Carpentry Contractor
- Concrete Contractor
- Demolition Contractor
- General Contractor
- Grading & Excavation Contractor
- Electrician
- Excavation Contractor
- Fire Sprinkler Contractor
- Handyman
- Janitorial
- Landscapers
- Masonry
- Mechanical Contractor
- Painters
- Paving Contractor
- Plumbers
- Roofers
- Septic Tank
- Siding & Window Installation
- Snow Plowing Contractor
- Swimming Pool Contractor
Testimonials
“We have been with the Soden Agency for over 25 years. They have been instrumental in growing my business. They are always just a phone call away. Karoline and the crew are awesome.”
– Dee Destefano
“Kristin and everyone at Soden are incredibly helpful and responsive. We recently moved, and got a new car in the same month. Kristin and Soden made everything very easy. It’s always a pleasure working with them.”
– Michael Gross
“I have been using Oliver Soden Agency for my home and car insurance for years. Very helpful to have an agent I can get answers from without pushing alot of buttons. They are the best.”
– Diane Carroll
“Wow, Bob Sr. and his team go above and beyond. They are so incredibly knowledgeable. They manage our four policies seamlessly and are always so prompt in answering even the silliest question. Karoline takes care of every request we have extraordinarily quick. We recommend this agency regularly.”
– D&D Contractors Corp
“The Soden Agency has provided our Fire District with insurance for almost a decade. The staff is extremely knowledgeable and courteous. They have provided exemplary service in all aspects of our insurance needs. I strongly recommend The Soden Agency to handle all of your insurance needs; personal or commercial.”
– Vincent Dilieto
“I emphatically recommend the Oliver Soden agency for your business insurance. My company has been a client for several years and I could not be happier with the quality and level of service we have received. Hal Sr. and Karoline address my company’s needs as if they were their own.”
– Carolyn Gurnowski
“My family and I use The Soden Agency for all our insurance needs. I deal directly with Karoline Breese for my business insurance and she handles everything I need quickly and efficiently. Thank you very much for always making things easy for me!”