Why Plumbers Need Workers’ Comp Insurance
Protect Your Crew, Protect Your Business
As a plumber, your work isn't just essential—it’s hands-on, physical, and sometimes dangerous. From crawling into crawlspaces to working with power tools and dealing with high-pressure systems, the risk of injury is always present. That’s why Mike Lively Agency LLC strongly recommends Workers’ Compensation Insurance for all plumbing contractors and businesses.
What Does Workers’ Comp Cover?
Plumbers face a wide range of job-related risks. Workers’ comp insurance provides coverage for:
- Medical expenses due to job-related injuries or illnesses
- Lost wages while recovering
- Ongoing care, such as physical therapy
- Legal costs if an employee sues over a workplace injury
Without workers' comp, your business could be liable for all of these costs out-of-pocket. That’s not a risk worth taking.
Is It Legally Required?
In most states, if you have even one employee, you are required by law to carry workers’ compensation insurance. Failure to do so can result in severe fines, legal penalties, and even business closure. At Mike Lively Agency LLC, we help ensure you meet your legal obligations while safeguarding your plumbing business and your team.
Real Risks Plumbers Face on the Job
Plumbers are exposed to a number of hazards daily, including:
- Slips, trips, and falls in wet environments
- Cuts and bruises from sharp tools
- Exposure to hazardous materials like mold, asbestos, or sewage
- Back injuries from lifting heavy pipes or equipment
- Repetitive strain injuries from bending or kneeling for extended periods
Even with strict safety protocols, accidents can happen. And when they do, workers' compensation helps make sure everyone is covered and the business keeps moving forward.
How Much Does Workers’ Comp for Plumbers Cost?
Costs can vary depending on a number of factors including your location, the number of employees, your claims history, and how risky your specific plumbing services are. Below is an example cost breakdown for a small plumbing business with 5 employees:
| Factor | Details |
|---|---|
| Annual Payroll | $250,000 |
| Base Rate per $100 Payroll | $3.50 |
| Estimated Annual Premium | $8,750 |
| Experience Modifier | 0.95 (for low claims) |
| Adjusted Premium | $8,312.50 |
Getting a tailored quote is quick and easy. Let Mike Lively Agency LLC walk you through your options so you can get the best protection for your team and your bottom line.
Why Partner With Mike Lively Agency LLC?
We specialize in insurance for skilled trades like plumbing. Our team understands the unique risks and responsibilities you face every day. With access to top-rated carriers and customized solutions, we’ll help you:
- Get competitive rates tailored to your business
- Navigate state compliance rules
- Get help fast when claims happen
You’re busy running a plumbing business—let us handle the insurance so you can focus on what you do best.
Peace of Mind for You and Your Team
Plumbing isn’t just a job—it’s your craft, your business, your livelihood. Your employees are like family, and when something goes wrong, they count on you. Workers’ compensation insurance helps you support them while protecting your business from financial disaster. It’s not just smart—it’s essential.
Don’t wait until something happens. Be proactive. Let Mike Lively Agency LLC help you get covered today.
Have questions? Call us at 432-300-6219. We’re here to help!