Plumbers Liability Insurance
Workers' Compensation
We've developed affordable insurance programs for plumbing contractors.
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Give us a call today at 888-611-7467
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.
We partner with the best carriers writing plumbing coverage.
Improve cashflow and reduce the potential for big audit bills.
Get quotes from multiple insurance companies to ensure the lowest rates.
Our carriers have experienced claim managers to close claims quickly.
Our Top Carriers for Plumbers and Pipefitters Insurance
Markel is a national carrier. Markel offers exceptional workers' comp coverage in most states throughout the United States
Accident Fund Insurance Company of America has a direct focus on writing workers' comp coverage for plumbing and heating contractors.
The Hartford is a national insurance carrier with exceptional rates plumbing insurance packages and workers' comp coverage.
Benchmark ia a fast growing carrier expanding into most states. Plumbers insurance in an industry target.
Travelers is an outstanding insurance company with a broad appetite and competitive rates. Great for plumbers and pipefitters.
ICW Group offers great coverage for all types of plumbers. They have outstanding rates for target risks.
Liberty Mutual is a national carrier. They write all lines of coverage and offer great workers comp rates on select class codes.
PIE Insurance Company is an A-Rated Carrier. They have been aggressive with rates and have a wide appetite.
AmTrust Financial provides exceptional value for many business types within the construction industry.
The right quote makes a big difference in price.
Shop coverage like a Pro.
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.
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.
| Class Code | State |
|---|---|
| 663 | Plumbing Contractors | Delaware / Pennsylvania |
| 5184 | Boiler and Steam Pipe | New York / New Jersey / California |
Synonyms: plumbing, plumbers, boiler and pipe insulation, pump installation, pipe fitting, sewer cleaning, roto rooter insurance, lawn sprinkler install
Workers Compensation Shop.com is a national Agency, licensed throughout the United States.
Get the Best Plumbing Insurance Coverage
A lot of plumbing companies are overpaying for coverage because their agent does not have access to the lowest cost insurance companies. Other business owners are using installment plans based on estimated payroll that doesn't change as payroll fluctuates. We help our customers find the best insurance rates for each unique state and type of plumbing business. Our Pay As You Go payment plans will improve your business cash flow. We work with new business owners and companies with higher Experience Modification Ratings. We've been writing plumbing contractors since 2005.
| Program Features |
|---|
| No Minimum Premium Requirements |
| Pay As You Go Work Comp - $0 Deposit |
| Guaranteed Cost and Deductible Options |
| National Plumbing Insurance Expertise |
| More Markets for More Solutions |
| Commercial Package Insurance Options |
What Does Workers' Comp Cover?
Workers' comp coverage protects employees when injured. It makes good financial sense for both parties.
- Loss of income for employees unable to perform job duties
- Medical expenses for employees injured on the job
- Retraining expenses for employees unable to return
- Permanent injury or disability for lasting injuries
- Survivor benefits if employees are killed on the job
Coverage does not protect employers from everything. Sometimes employees and employers can be negligent.
- Injuries resulting from a violation of the law
- Incidents resulting from employees' use fo drugs or alcohol
- Injuries that did not occur in connection with the job
- Clear company policy violations
- Injuries that did not occur in connection with the job
Lower Plumber Insurance Costs
The cost of business insurance has been increasing for plumbers. General liability and workers' comp insurance have been the major cause of the increase in the cost of coverage. We've partnered with our insurance companies to provide more affordable commercial insurance packages for our customers. Ask about our package insurance options for electricians:
Workers' Compensation and Employers Liability
Plumbers Liability Insurance
Commercial and Personal Property
Umbrella Liability and more
Not all lines of insurance coverage or all class codes will be available in all states. Contact one of our workers' comp Specialists for program details on general liability and workers' compensation insurance.
Start a quote online or give one of our experts a call at 888-611-7467.
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.
Workers' Comp Costs
- 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
General Liability Costs
- 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
Then there's Trusted Service.
Thanks for the award Feefo- Work Comp Shop
How do I get started?
- Business details, locations, FEIN or SSN
- Estimated annual payroll and job duties- class codes
- Claims info or loss history- if applicable
What Happens Next?
- Our software matches you with top-rated carriers
- Our agents apply and negotiate your lowest rates
- We present and recommend your best options
Ready to Start Your Quote?
Don't settle for cookie-cutter rates
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Ask about our Pay As You Go plans designed to improve cashflow and bullet-proof your audits.
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