Comply with state laws
Avoid fines
Protect your employees
Protection from lawsuits
...'cause they can get hurt
Plumbing businesses in Texas handle everything from underground gas lines to large commercial installations. Workers’ comp insurance protects your team and keeps your business compliant.
In Texas, plumbing businesses are not required to carry workers’ compensation insurance, but many choose to do so to protect employees and limit liability risks. Without coverage, employers could be exposed to costly workplace injury claims. Plumbing companies working on public contracts must provide workers’ compensation coverage for employees assigned to those projects. Additionally, general contractors often require proof of insurance before allowing subcontractors to begin work. Businesses that opt out must submit a DWC Form-005 each year to notify the state and report any workplace injuries. Failure to comply with reporting rules may result in penalties and increased legal exposure. For more information, visit Workers' Compensation Insurance Texas 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
8107 - 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.
Probably, but be aware that not all insurance companys cover boiler work due to its higher risk. If your company services or installs boilers, make sure to inform your insurance provider to find the right coverage.
Usually, yes. Most plumbing policies include irrigation installation under class code 5183, but if it’s a major part of your business, verify with your insurance company.
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