Pluimbing
Workers' Comp Coverage for Plumbing Contractors
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Workers' Compensation Class Codes Related to Plumbing
Employees are grouped into classification codes based on what they do for their job. The National Council on Compensation Insurance (NCCI) currently utilizes nearly 800 class codes to help insurance companies categorize employees. Insurance companies create a manual rate for each class code in order to price a policy.
Properly classifying workers is an important part of the quote process. Mis-classified employers may end up paying too much for coverage or owing too much after an audit
Class Code 5183
Plumbing- All Employees
Businesses primarily engaged in providing the connections and disconnection of pipes related to water, gas or steam. Work may be performed in a residential home or commercial facility. Services often include the installation and repair of faucets, toilets. sinks and equipment such as hot water heaters, refrigerator water lines and hot water heaters. Pipe fitting is included under this class code and does contemplate the installation of tubing for refrigeration units and other related fixtures and appliances.
The installation of underground lawn sprinkler systems are included under the general plumbing class code. All sizes of pipe fitting and related fixtures are included under this class code. However, automatic fire sprinkler installation typically falls under class code 5188- Automatic Sprinkler Installation, in most states.
Alternative State Class Codes for Plumbing:
Many states often use special class codes, other than the class codes recommended by NCCI, for certain industries
Synonyms: plumbing, plumbers, boiler and pipe insulation, pump installation, pipe fitting, sewer cleaning, roto rooter insurance, lawn sprinkler install
How Does Workers' Comp Work?
Workers' comp coverage protects employees when injured. It makes good financial sense for both parties.
- Loss of income for employees unable to perform job duties
- Medical expenses for employees injured on the job
- Retraining expenses for employees unable to return
- Permanent injury or disability for lasting injuries
- Survivor benefits if employees are killed on the job
Coverage does not protect employers from everything. Sometimes employees and employers can be negligent.
- Injuries resulting from a violation of the law
- Incidents resulting from employees' use fo drugs or alcohol
- Injuries that did not occur in connection with the job
- Clear company policy violations
- Injuries that did not occur in connection with the job
How Much is Insurance for a Plumbing Company?
The average rate our customers pay for workers’ compensation under the plumber class code is around $2.65 per $100 of payroll. The average cost for a general liability insurance policy is about $950.00.
- Work Comp is priced based on payroll
- Your state and EMR Rating will affect your cost
- The type of plumbing work can modify rates
- Premium discounts and policy credits may apply
- GL rates for plumbers are based on payroll (rated per $1000)
- Gross revenue may affect pricing
- The type of plumbing work matters to underwriters
- Prior clams and years in business affect pricing
- SIC code 1711- Plumbing Installation and Repair
How do I get started?
Here's what we need from you
- Business details, locations, FEIN or SSN
- Estimated annual payroll and job duties- class codes
- Claims info or loss history- if applicable
What Happens Next?
We go find for your best price
- Our software matches you with top-rated carriers
- Our agents apply and negotiate your lowest rates
- We present and recommend your best options