Workers' Comp Coverage for Plumbing Contractors

We’ve been helping residential and commercial plumbers find affordable coverage for over 15 years. Our Experts understand the unique underwriting requirements from the insurance companies. That’s why we’ve developed programs designed to help you get the best rates and most flexible payment options.

Pay as you go

Improve cashflow and reduce the potential for big audit bills.

Comparison Pricing

Get quotes from multiple insurance companies to ensure the lowest rates.

Claims Management

Our carriers have experienced claim managers to close claims quickly.

Workers' Compensation Class Codes Related to Plumbing

Employees are grouped into classification codes based on what they do for their job. The National Council on Compensation Insurance (NCCI) currently utilizes nearly 800 class codes to help insurance companies categorize employees. Insurance companies create a manual rate for each class code in order to price a policy.

Properly classifying workers is an important part of the quote process. Mis-classified employers may end up paying too much for coverage or owing too much after an audit

Plumbers Liability Insurance Workers' Compensation

Class Code 5183
Plumbing- All Employees

Businesses primarily engaged in providing the connections and disconnection of pipes related to water, gas or steam. Work may be performed in a residential home or commercial facility. Services often include the installation and repair of faucets, toilets. sinks and equipment such as hot water heaters, refrigerator water lines and hot water heaters. Pipe fitting is included under this class code and does contemplate the installation of tubing for refrigeration units and other related fixtures and appliances.

The installation of underground lawn sprinkler systems are included under the general plumbing class code. All sizes of pipe fitting and related fixtures are included under this class code. However, automatic fire sprinkler installation typically falls under class code 5188- Automatic Sprinkler Installation, in most states.

Alternative State Class Codes for Plumbing:

Many states often use special class codes, other than the class codes recommended by NCCI, for certain industries

Synonyms: plumbing, plumbers, boiler and pipe insulation, pump installation, pipe fitting, sewer cleaning, roto rooter insurance, lawn sprinkler install

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licensed throughout the United States

How Does Workers' Comp Work?

Workers' comp coverage protects employees when injured. It makes good financial sense for both parties.

Injuries and accidents happen. A workers’ comp policy is a no-fault system that pays for these accidents and claims. It’s required by law in most states.

Coverage does not protect employers from everything. Sometimes employees and employers can be negligent.

In some instances, workers’ compensation coverage will not protect employers or employees from the legal liability resulting from a workplace injury.

How Much is Insurance for a Plumbing Company?

The average rate our customers pay for workers’ compensation under the plumber class code is around $2.65 per $100 of payroll. The average cost for a general liability insurance policy is about $950.00.

  • Work Comp is priced based on payroll
  • Your state and EMR Rating will affect your cost
  • The type of plumbing work can modify rates
  • Premium discounts and policy credits may apply
  • GL rates for plumbers are based on payroll (rated per $1000)
  • Gross revenue may affect pricing
  • The type of plumbing work matters to underwriters
  • Prior clams and years in business affect pricing
  • SIC code 1711- Plumbing Installation and Repair

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What Happens Next?

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We've developed affordable insurance programs for Plumbing.