Workers’ Comp for Plumbers in Tennessee

Name: Workers' Compensation Insurance for Plumbers in Tennessee
Brand: Kickstand Insurance
Rating: 5 (37 reviews)

Policies for residential, commercial plumbers and sewer plumbers

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Why do Plumbers in Tennessee need
Workers' Compensation Insurance?

Comply with state laws

Avoid fines

Protect your employees

Protection from lawsuits

...'cause they can get hurt

From emergency pipe repairs to large-scale plumbing installations, Tennessee plumbers take on high-risk work. Workers’ comp insurance ensures financial security in case of injury.

Common Plumbing injuries

Back injuries – Carrying and installing heavy plumbing fixtures
Falls – Slipping on wet surfaces or tripping over pipes
Hand injuries – Wrench slips, pinched fingers, and cuts from sharp tools
Chemical exposure – Working with sealants, adhesives, and solvents
Burns – Contact with hot water, pipes, or welding equipment

Workers' Comp for Plumbers in Tennessee: Legal Requirements

Tennessee law requires plumbing businesses with five or more employees to provide workers' compensation insurance. Failing to meet this requirement may lead to fines and business restrictions. Learn more about Tennessee Workers' Comp Requirements here.

Common types of Plumbing workers we can insure in Tennessee

Automatic Sprinkler Installation

Commercial Plumbers

Drainage and Sewer System Contractors

New Construction Plumbers

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 provides protection to both the employer and the injured worker. Like other types of insurance, it’s there to help in the event of an incident.

If a worker gets hurt on the job, the insurance company will help pay for the costs associated with their care so the worker is provided for until they return to work.

Since the company had an active workers' comp policy, they are not responsible for paying the medical bills.

What will Plumbing Workers' Comp Insurance pay for?

Medical expenses
Rehab and therapy costs
A percentage of lost wages
Disability benefits
Funeral cost

How much does Workers' Comp Insurance
for Plumbers in Tennessee cost per month?

The estimated monthly cost for workers’ comp for plumbers in Tennessee is $61 per employee, calculated from a rate of $1.17 per $100 of payroll. Factors like business size, claims history, and industry classification can impact final pricing. Read more in our full breakdown: Workers’ Comp Rates for Plumbers.

Disclaimer: Premium has been derived by combining ZipRecruiter national payroll averages per industry with average rates of a national carrier partner. Figures are for illustrative purposes only and do not include taxes or additional fees.

What's the cost based on?

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

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 Tennessee Plumbing

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

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

How to get Workers' Comp Insurance in Tennessee

Getting workers' comp insurance in Tennessee is a straightforward process. Business owners can purchase coverage through any licensed insurance agent operating within the state.

However, not all agents offer workers' comp insurance, so it's essential to compare potential policies to ensure you're getting the right coverage for your Plumbing business.

Kickstand Insurance offers a streamlined process to help you compare quotes and choose a policy that fits your business needs. Start by filling out our Instant Quote form for a fast estimate.

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Ensure your company is fully protected. Get a hassle-free workers' comp quote in just 10 minutes with Kickstand Insurance and protect your business, your employees, and your bottom line.

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Helpful tips to save money

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

Here’s how to save money:

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.

Don't underestimate your payroll
If your payroll is more than was estimated at the beginning of the policy, it will be discovered at audit and you will be billed for the difference.

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. It can even help keep your costs down!

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

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 Plumber 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 Plumber Workers’ Compensation Audit Checklist can help.

FAQ's on Workers' Comp for Plumbers in Tennessee

We install lawn irrigation systems along with our plumbing services. Does our workers’ comp policy cover this?

Yes, lawn sprinkler system installation is generally included under plumbing contractor classification 5183. If your business does extensive irrigation work, double-check with your insurance company to confirm proper classification.

If a subcontractor doesn’t have their own workers’ comp insurance, do I need to provide coverage?

Yes. If a subcontractor lacks workers' comp, you must cover them under your policy. Always collect a COI before work begins.

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Learn more about Plumbing Insurance

a plumber using a wrench to fix a leaky kitchen sink

Plumbing Workers’ Comp Class Code: A Complete Guide

Workers’ Comp Rate for Plumbers 2025

Your Guide to Workers’ Comp Insurance for Plumbers

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

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The Ultimate Guide to Workers' Comp Insurance

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The information on this website is not intended to serve as insurance advice. All content provided is for general informational purposes only.
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