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Get the insurance you need to protect your plumbing business

Our specialized workers' compensation insurance is designed for plumbing businesses like yours, addressing all your unique requirements.

Accidents can happen unexpectedly, but our coverage lets you concentrate on what you do best—providing exceptional plumbing services to your customers.

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What is Workers' Compensation Insurance for Plumbing Contractor Businesses?

In the world of plumbing, accidents can occur out of the blue. Plumbing workers often face the following risks:

  • Burns from hot water, steam, or welding tools
  • Cuts and punctures from sharp plumbing tools and materials
  • Slips, trips, and falls due to wet or uneven surfaces
  • Exposure to toxic chemicals and fumes while handling plumbing materials
  • Respiratory issues from working in confined spaces with poor ventilation
  • Potential for eye and face injuries from debris or chemicals
  • Infections or illnesses from exposure to contaminated water or sewage
  • Risk of electrical shocks while working with plumbing systems

Workers' compensation insurance covers these unique risks by supporting medical expenses and wage losses.

Workers’ Compensation Insurance Coverage

A workers' comp policy offers the following benefits:

  • Medical treatment for the employee's injury or illness
  • Vocational rehabilitation to aid the worker's recovery and facilitate their return to the workplace
  • Disability benefits if the employee cannot resume work after the injury
  • Death benefits for the surviving family in case of an employee fatality
  • Employer's liability in case of potential negligence
  • Coverage of legal expenses if the claim is disputed or if an employee files a lawsuit for damages

Workers' compensation insurance goes beyond fulfilling legal requirements; it demonstrates that their well-being is a top priority to your employees.

How Much Does Workers' Compensation Insurance for Plumbing Businesses Cost?

The cost of workers' compensation insurance coverage depends on the business’s size, the company payroll, and the coverage and claims history.

The plumbing industry is considered mid- to high-risk due to the physically demanding nature of the work. Within the industry, rates might differ depending on your company’s circumstances:

  • Plumbing businesses involved in high-risk jobs like sewer line repairs or industrial plumbing installations may face higher premiums than those engaged in low-risk tasks, such as routine maintenance and minor repairs
  • Plumbing companies that specialize in dealing with hazardous materials, like asbestos or lead pipes, may have higher workers' compensation insurance costs
  • Businesses offering 24/7 plumbing services might experience higher insurance costs
  • Plumbing companies using heavy equipment like excavation machinery or high-pressure water jets, could face higher insurance costs
  • Companies specializing in niche areas like eco-friendly plumbing or advanced technology installations may face unique risks

Workers' compensation premiums are calculated based on employees' specific job functions. Some employees have distinct roles, while others have multiple responsibilities. These roles are classified using work class codes. It is crucial to accurately classify employees based on their primary tasks, as this can significantly impact your premium.

Note: Some electrical companies have constantly changing job sites, co-workers, or contractors for each project. In such cases, general contractors must either include subcontractors under their work comp policy or make sure they provide proof of their own insurance before starting work. Subcontractors are generally covered under the general contractor's liability, unless they have their own insurance.

Is Workers' Comp Insurance a Legal Requirement for Plumbing Business Owners?

Workers' compensation insurance is not just a wise choice for plumbing businesses—it's often a legal requirement in many U.S. states. Failing to have this insurance in place can lead to significant fines and penalties. If your plumbing business operates in multiple states or your employees work temporarily out-of-state, you may need to purchase insurance for all the states where your employees are located, according to each state's laws.

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How to Get a Workers' Compensation Insurance Quote for Your Plumbing Business

Here's a step-by-step guide on how to obtain a tailored workers' compensation insurance quote for your plumbing business:

Step 1: Understand Workers' Compensation Insurance

Workers' compensation insurance provides crucial wage replacement and medical benefits to your employees in the event of work-related injuries or accidents, such as slips, falls, burns, or strains i.e. workers’ compensation claims. Given the nature of the plumbing industry, where employees might be exposed to various hazards while working with plumbing equipment and tools, having comprehensive workers' compensation coverage is vital.

Step 2: Assess Your Business Needs

Before contacting insurance agencies, take some time to assess your plumbing business's specific requirements.

  • Divide your employees by classification code.
  • Determine the total number of employees and calculate your payroll. You may have the option to exclude yourself if you wish to avoid being covered under the policy.
  • Identify the common risks your employees face while working on plumbing installations, repairs, or maintenance.
  • Consider any unique roles or tasks with specific risk profiles, such as working in confined spaces or handling hazardous materials.
Compiling this information will help the insurance agency provide an accurate and tailored quote for your business.

Step 3: Comply with State Laws

Each state has its own laws and regulations regarding workers' compensation insurance. It's crucial to familiarize yourself with your state's specific requirements and any exceptions that may apply to plumbing businesses.

Remember that if your plumbing business operates in multiple states or your employees work temporarily out-of-state, you'll need to purchase insurance for all locations according to each state's laws.

Step 4: Reach Out to Insurance Agencies

Now it's time to contact insurance agencies. Consider independent insurance agencies that specialize in workers' compensation insurance.

Provide the agency with the detailed information you've gathered, including:

  • Your Federal ID Number (or Social Security Number for sole proprietors).
  • A copy of your previous workers' comp insurance policy or information about past coverage or claims.
  • Specific roles and risks associated with your plumbing business, such as working with gas lines or handling heavy equipment.
  • Your state's legal requirements.

Step 5: Compare Quotes

Once you receive quotes from different insurance carriers, compare them to make an informed decision. While cost is essential, don't overlook other crucial factors such as the extent of coverage, customer service, and the claims process.

Step 6: Select Your Coverage

After a careful comparison, choose the workers' compensation insurance policy that offers comprehensive coverage at a fair price — and the agency that you trust with your business.

About Us

Where small businesses buy workers' compensation insurance. WorkCompOne is an online digital insurance agency changing workers’ compensation insurance. Combining best practices in technology and insurance, we’ve built a new way for businesses to secure workers’ compensation insurance online.

Founded in 2012, WorkCompOne offers coverage to small businesses nationwide through its easy online platform and partnership with leading national carriers. WorkCompOne is part of Custom Commercial Insurance Solutions.

About Custom Commercial Insurance Solutions

Custom Commercial Insurance Solutions, formerly, is a digital-first independent insurance agency focused on improving direct-to-consumer commercial insurance. Incorporating innovative technology and insurance products, CCiS offers coverage to businesses of all sizes through its easy online platform, best-in-class customer service, and partnerships with leading carriers.

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