Plumbers Liability Insurance
Workers' Compensation

We've developed affordable insurance programs for plumbing contractors.

Prefer to speak with A Workers' Compensation Specialist?

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.

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.

Our Top Carriers for Plumbers and Pipefitters Insurance

Markel FirstComp

Markel is a national carrier. Markel offers exceptional workers' comp coverage in most states throughout the United States

Markel Insurance

Accident Fund

Accident Fund Insurance Company of America has a direct focus on writing workers' comp coverage for plumbing and heating contractors.

Accident Fund

The Hartford

The Hartford is a national insurance carrier with exceptional rates plumbing insurance packages and workers' comp coverage.

The Hartford

Benchmark Insurance

Benchmark ia a fast growing carrier expanding into most states. Plumbers insurance in an industry target.

Benchmark Insurance

Travelers

Travelers is an outstanding insurance company with a broad appetite and competitive rates. Great for plumbers and pipefitters.

Travelers Insurance

ICW Group

ICW Group offers great coverage for all types of plumbers. They have outstanding rates for target risks.

ICW Group

Liberty Mutual

Liberty Mutual is a national carrier. They write all lines of coverage and offer great workers comp rates on select class codes.

Liberty Mutual

PIE Insurance

PIE Insurance Company is an A-Rated Carrier. They have been aggressive with rates and have a wide appetite.

PIE Insurance

AmTrust

AmTrust Financial provides exceptional value for many business types within the construction industry.

AmTrust Insurance

We help business owners find the very best deal on workers' comp insurance.

The right quote makes a big difference in price.
Shop coverage like a Pro.

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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 licensed in all 50 states. We are proud to offer national multi-state coverage.

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.

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.

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.

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

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.

Get Started Now

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

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How do I get started?

Here's what we need from you

Business details, locations, FEIN or SSN
Estimated annual payroll and job duties- class codes
Claims info or loss history- if applicable

What Happens Next?

We go find for your best price

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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1-888-611-7467

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Pay As You Go Workers Compensation Insurance Options.

Ask about our Pay As You Go plans designed to improve cashflow and bullet-proof your audits.

(888) 611-7467 8 a.m.- 5 p.m. - Central, M - F

Workers' Comp for Plumbing Contractors.

Plenty of agencies have access to insurance companies that write workers' compensation coverage for plumbing contractors. But we offer exclusive programs with lower rates on coverage so you get the best price on your policy.

Get quotes for your plumbing business today and see if you qualify for better prices on your workers' comp insurance. Or give our Specialists a call today at 888-611-7467.

National Agency Number: 8847381
National Producer Number: 5064979

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Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.