Plumbing pipes, gauges and supplies

Plumber Workers’ Compensation Insurance

Policies for residential, commercial plumbers and sewer plumbers

Get an Instant Quote
 

Why do Plumbers need
Workers' Compensation Insurance?

Comply with state laws

Comply with state laws

Avoid fines

Avoid fines

Protect your employees

Protect your employees

Protection from lawsuits

Protection from lawsuits

...'cause they can get hurt

  Common plumbing injuries

  • Slips and falls
  • Eye injury
  • Hearing damage
  • Extreme temperature injuries


Common types of workers we can insure

Automatic Sprinkler Installation Insurance

Automatic Sprinkler Installation

Commercial plumbers Insurance

Commercial Plumbers

Drainage and Sewer System Contractors Insurance

Drainage and Sewer System Contractors

New construction plumbers Insurance

New Construction Plumbers

FAQ talk bubbles
Don't see your business classification?
We're here to help. Call 866-338-8823.

Common types of workers we can insure

No items found.
FAQ talk bubbles
Don't see your business classification?
We're here to help. Call 866-338-8823.

What type of injuries does
Workers' Comp Insurance cover?

Workers' comp insurance covers both the employer and the injured worker. Like all types of insurance, it acts as a safety net in case of an accident.

If a worker gets hurt on the job, the insurance company will help cover the costs associated with their care so the worker is well taken care of until they return to work.

Since the company had an active Plumber workers' comp policy, they do not need to pay anything towards the bills.

Workers' comp insurance covers both the employer and the injured worker. Like all types of insurance, it acts as a safety net in case of an accident.

If a worker gets hurt on the job, the insurance company will help cover the costs associated with their care so the worker is well taken care of until they return to work.

Since the company had a workers' comp policy, they do not need to pay anything towards the bills.

What will Workers' Comp Insurance pay for?

  • Medical bills
  • Rehab and therapy expenses
  • Lost wages and disability benefits
  • Funeral cost
clipboard with medical icons

How much does Workers' Comp Insurance
for Plumbers cost?

The average workers' compensation insurance for plumbing companies is $114 monthly per employee.  

For more detailed information on how much workers' compensation insurance will cost your plumbing business, read Workers’ Comp Rates for Plumbers 2024.

charts and symbols for plumber insurance cost

What's the cost based on?

The National Council of Compensation Insurance (NCCI) sets a fixed rate for every industry.

The rate is based on the level of risk for that job description.

Premiums are primarily calculated by using your payroll numbers and your NCCI class code.

Common Classifications for Plumber

For more details on class codes, visit this detailed guide: Plumbing Workers’ Compensation Class Codes.

5183 - Plumbing

5183 - Automatic Sprinkler Installation - For Lawns

5188 - Automatic Sprinkler Installation - Indoors

8111 - Plumbers Supplies Dealer

FAQ talk bubbles
Don't see your business classification?
We're here to help. Call 866-338-8823.

Looking for Workers' Compensation Insurance for Plumbers?
Get a hassle-free instant quote & get coverage in under 10 minutes.

Get my Quote

Helpful tips to save money

Choosing plumber insurance services may sound simple, but doing it wrong can be very costly.

Here’s how to save money:

employee badge icon

Classify your workers correctlyFor example - Employees who do clerical work have a different code (8810). Lumping them together with manual labors will increase your premium.

money bag icon

Don't underestimate your payroll
You will be expected to pay the difference at the end of the policy.

clipboard icon

Have a clear process to report claims
...and make sure your employees know about it. This will make the entire experience easier for all involved. 

medical bag icon

Report every incident- even if it didn't result in a large injury. Some things which seem insignificant can snowball into costly issues.

graph icon

Prepare for your audit Every policy is audited at the end of 12 months. Keep your payroll records and files neat so you don't have issues later! Our Workers’ Compensation Audit Checklist can help.

Prepare for your audit Every policy is audited at the end of 12 months. Keep your payroll records and files neat so you don't have issues later! A Workers’ Compensation Audit Checklist can help.

FAQ talk bubbles

FAQ's on Workers' Comp for Plumbers

How quickly can I get my certificate of insurance?

We usually issue certificates 24 hours after the policy is bound.
Let us know if you need it quicker and we will rush it.

Occasionally we install a lawn sprinkler system as part of our plumbing business. Is that kind of work covered by my workers compensation policy?

Yes, lawn sprinkler system installation is included in the class code used for plumbing contractors, 5183.

I work with boilers. Can you help me get a workers' comp policy?

While it might be a bit trickier since some carriers don’t cover boiler work, we can likely help. Just make sure you’re licensed and let us know you work with boilers so we can get the right coverage for your business.

I sub out a lot of my work. Am I responsible for workers' comp for the subs?

If your plumbing subs are uninsured, you’ll need to add them to your own policy. If they have insurance, ask for their COI and keep it on file to avoid liability if they get hurt.

State laws on Workers' Comp for Plumbers

Workers' compensation is regulated at the state level, so rules and penalties vary by state.

For example, New Jersey requires coverage for any business with one employee. Florida, on the other hand, requires it for general businesses with four or more employees and construction companies with even one employee.

If you’re an employer, you should research the specific laws in your state to ensure you’re complying with workers' comp requirements.

Choose your state from the dropdown to learn more.

State map

Need other types of insurance for Plumbers?

Yes, we can help with that too!

Learn more about Insurance

Why use Kickstand to
get workers' comp insurance?

Speed + Service + Experts

Document with workers comp for plumber insurance quote surrounded by insurance icons

Unlike other online insta-quote systems,
here your quote is reviewed by experts

Why does it matter?

  • Avoid surprise bills at audit
  • Make sure all your employees are properly covered
  • Protect yourself from lawsuits

What do we check?

  • Business categorized correctly
  • Employees job roles
  • Special discount opportunities
    
     Excellent    5 stars  
5 Star Google Reviews

Get Workers’ Compensation for Plumbers today!

It’s time to get the coverage you need. Just complete our simple online form and we’ll get you a no-obligation quote and connect with one of our expert agents. It’s that simple!

Get my Quote
 