Workers’ Comp for Plumbers in Michigan

Name: Workers' Compensation Insurance for Plumbers in Michigan
Brand: Kickstand Insurance
Rating: 5 (37 reviews)

Policies for residential, commercial plumbers and sewer plumbers

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Why do Plumbers in Michigan need
Workers' Compensation Insurance?

Comply with state laws

Avoid fines

Protect your employees

Protection from lawsuits

...'cause they can get hurt

Michigan plumbers work year-round, often in freezing conditions. Workers’ comp coverage ensures financial protection for employees facing job-related injuries.

Common Plumbing injuries

Back injuries – Carrying and installing heavy plumbing fixtures
Falls – Slipping on wet surfaces or tripping over pipes
Hand injuries – Wrench slips, pinched fingers, and cuts from sharp tools
Chemical exposure – Working with sealants, adhesives, and solvents
Burns – Contact with hot water, pipes, or welding equipment

Workers' Comp for Plumbers in Michigan: Legal Requirements

Plumbing businesses in Michigan with at least one employee must carry workers' compensation coverage. Employers who fail to comply may face legal consequences and financial penalties. Learn more about Michigan Workers' Compensation Requirements here.

Common types of Plumbing workers we can insure in Michigan

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 Plumber workers' comp policy, they do not need to pay anything towards the bills.

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.

What will Plumbing Workers' Comp Insurance pay for?

Medical expenses
Rehab and therapy costs
A percentage of lost wages
Disability benefits
Funeral cost

How much does Workers' Comp Insurance
for Plumbers in Michigan cost per month?

Plumbing businesses in Michigan pay about $159 per month per employee for workers' comp insurance, reflecting the national average rate of $3.05 per $100 of payroll. Your specific costs depend on industry risks and business size. Get the full details in our guide: Workers’ Comp Rates for Plumbers.

Disclaimer: Premium has been derived by combining ZipRecruiter national payroll averages per industry with average rates of a national carrier partner. Figures are for illustrative purposes only and do not include taxes or additional fees.

What's the cost based on?

The National Council of Compensation Insurance (NCCI) sets a fixed rate for every industry in Michigan.

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 Michigan Plumbing

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.

How to get Workers' Comp Insurance in Michigan

Getting workers' comp insurance in Michigan is a straightforward process. Business owners can purchase coverage through any licensed insurance agent operating within the state.

However, not all agents offer workers' comp insurance, so it's essential to compare potential policies to ensure you're getting the right coverage for your Plumbing business.

Kickstand Insurance offers a streamlined process to help you compare quotes and choose a policy that fits your business needs. Start by filling out our Instant Quote form for a fast estimate.

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Ensure your company is fully protected. Get a hassle-free workers' comp quote in just 10 minutes with Kickstand Insurance and protect your business, your employees, and your bottom line.

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Helpful tips to save money

Choosing plumbing 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
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.

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 Plumber 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 Plumber Workers’ Compensation Audit Checklist can help.

FAQ's on Workers' Comp for Plumbers in Michigan

Occasionally, we install underground sprinkler systems as part of our plumbing services. Is this covered under my workers' compensation policy?

Yes, most plumbing contractor policies include coverage for installing lawn sprinkler systems under class code 5183. However, if your company does extensive irrigation work beyond typical plumbing, you may need to verify that it falls within your policy’s scope.

I sometimes use independent subcontractors for plumbing projects. Should they be covered under my workers' comp policy?

If they don’t carry their own workers' comp policy, then yes—you must include them under yours. Always collect a COI before hiring subcontractors.

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Learn more about Plumbing 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

Document with workers' comp for plumber insurance quote surrounded by insurance icons

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

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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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