Comply with state laws
Avoid fines
Protect your employees
Protection from lawsuits
...'cause they can get hurt
Running a plumbing business in Florida involves high-risk tasks, from dealing with gas and electrical lines to handling hot water systems. These hazards make workers' compensation insurance essential for covering medical expenses and lost wages if injuries occur.
Workers’ compensation insurance ensures your employees are protected if they’re injured on the job, keeping your business secure and compliant.
In Florida, plumbing businesses with one or more employees are required to carry workers' compensation insurance. Failure to comply with this requirement can result in heavy penalties, including stop-work orders and fines. Learn more about Florida Workers' Compensation Rules here.
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.
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
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.
Yes, generally digging to lay pipes is covered, but most policies have a depth limit of around 3-5 feet. Be sure to check with your carrier to confirm any specific depth restrictions.
Yes, it likely does. Since working on main lines involves higher risk and different responsibilities than standard plumbing, your policy should reflect this type of work. It may not be covered under a typical plumber’s policy, so be sure to confirm with your insurance agent.
Yes, installing lawn sprinkler systems is typically covered under the plumbing contractor class code, 5183, so it should fall within your policy’s coverage.
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