Plumber Workers’ Compensation Insurance

Policies for residential, commercial plumbers and sewer plumbers

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Why do Plumbers need
Workers' Compensation Insurance?

Comply with state laws

Avoid fines

Protect your employees

Protection from lawsuits

...'cause they can get hurt

Common plumbing injuries

Slips and falls
Eye injury
Hearing damage
Extreme temperature injuries

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Common types of workers we can insure

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 Plumbers 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

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 2025.

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 Plumbers

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.

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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:

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
You will be expected to pay the difference at the end of the policy.

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.

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 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'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.
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Choose your state from the dropdown to learn more.

Need other types of insurance for Plumbers?

Yes, we can help with that too!

Learn more about 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

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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

A Step-by-Step Handbook for Small Businesses - you don't want to skip this!

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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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