Business insurance • New Jersey plumbing contractors
New Jersey Plumbing Contractor Insurance: Master Plumber License, Bond, and Coverage
New Jersey’s State Board of Examiners of Master Plumbers licenses master plumbers, who must post a $3,000 surety bond in favor of the state before the license is issued. The license sets no general liability minimum, but all New Jersey employers not covered by federal programs must carry workers’ compensation.
This guide covers New Jersey master plumber licensing, the bond, workers’ comp, coverage, and typical costs. Blake Insurance Group is an independent agency licensed in New Jersey, and a licensed agent can compare quotes for your plumbing business.
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New Jersey master plumber license
| Requirement | Detail |
|---|---|
| Experience | Four-year apprenticeship plus one year (1,200 hours) as a journeyman in New Jersey |
| Exams | Plumbing code, practical, and New Jersey law sections, 70% each |
| Bond | $3,000 surety bond in favor of the state |
| Renewal | Every two years, by June 30 of odd years, with 5 CE credits |
Source: Contractor License Requirements (New Jersey plumber guide).
New Jersey workers’ compensation
All New Jersey employers not covered by federal programs must carry workers’ compensation or be approved to self-insure. Corporations need it once anyone works for pay, including officers, and sole proprietors once anyone other than the owner works for pay (New Jersey Division of Workers’ Compensation).
Coverage most New Jersey plumbers carry
- General liability: third-party injuries and property damage, such as a failed fitting that floods a customer’s home.
- Business owner’s policy: general liability bundled with property coverage for your shop and stock, often at a lower combined price.
- Workers’ compensation: medical bills and lost wages if an employee is hurt on the job.
- Commercial auto: service vans and trucks that carry crews, parts, and equipment.
- Tools and equipment (inland marine): pipe threaders, drain machines, and cameras on job sites or in transit.
- Commercial umbrella: extra limits on top of general liability and auto, often required on commercial jobs.
What New Jersey plumbers pay
| Policy | Monthly | Annual |
|---|---|---|
| General liability | $147 | $1,768 |
| Business owner’s policy | $213 | $2,559 |
| Workers’ compensation | $179 | $2,150 |
| Commercial auto | $285 | $3,415 |
| Tools and equipment | $42 | $505 |
| Professional liability | $67 | $808 |
| Commercial umbrella | $93 | $1,111 |
Costs reported by Insureon for plumbing businesses that bought policies through its site, mostly with fewer than five employees. Your price depends on payroll, the work you do, claims history, and location.
New Jersey plumbing insurance FAQs
What bond does a New Jersey master plumber need?
A $3,000 surety bond in favor of the state, filed before the license is issued.
Does New Jersey require general liability for plumbers?
The license does not set a minimum, but contracts and most clients require it.
Do New Jersey plumbers need workers’ comp?
Yes. All New Jersey employers not covered by federal programs must carry it.
Related guides
- Plumbing contractor insurance
- New Jersey roofing contractor insurance
- New Jersey surety bonds
- New Jersey contractors insurance
- General liability insurance
- Workers’ compensation insurance
- Commercial auto insurance
- Contractor insurance
- New Jersey electrical contractor insurance
- New Jersey HVAC contractor insurance
Important information
Compensation. The link in the partner quote box near the top of this page is sponsored, and Blake Insurance Group may be paid if you make a purchase. Sponsored placement does not affect the other information on this page.
Independent agency. Blake Insurance Group LLC is an independent insurance agency. Licensed insurance producer NPN 16944666. Licensed states: AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, and WA. Which insurance companies we can quote depends on our current appointments, the product, and your state. Mentioning a company on this page does not mean we represent it.
Cost figures. Published averages and ranges are cited from the sources named, as of the dates shown. They are not quotes and may not reflect your price, which depends on the insurer, your state, your payroll, the work you do, and your claims history.
Availability. Coverage, prices, discounts, and eligibility vary by insurer, state, and applicant, and are subject to underwriting. The issued policy controls.
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