Workers' Comp Insurance for Plumbing Businesses in Colorado

Plumbing contractors (NCCI 5183) typically face moderate workers' comp rates — much lower than roofing or framing, but higher than office-only operations. Lifting injuries and slip-and-fall claims drive most losses. Service plumbers, drain cleaning, and new-construction plumbing all use the same primary code but may have different sub-classifications in Colorado. The Colorado workers' compensation market is governed by NCCI, and the average rate statewide is approximately $0.92 per $100 of payroll.

Colorado requirements for plumbing businesses

When required: Required for any employer with one or more employees, full or part-time.

Sole proprietors: Sole proprietors are exempt unless they elect coverage.

Owner / officer exclusion: Corporate officers may reject coverage by filing rejection of coverage form.

Plumbing class codes used in Colorado

Why plumbing workers' comp is tricky in Colorado

Plumbers who do their own gas line work or HVAC ductwork may be misclassified — these activities have separate codes. Apprentices, clerical staff, and outside salespeople should be coded separately to keep your effective rate low.

Tips for Colorado plumbing contractors

• ✓ Separate clerical (8810) and outside sales (8742) staff to lower blended rate
• ✓ Document service vs new-construction split for proper class allocation
• ✓ Pay-as-you-go is widely available for plumbers and helps with seasonality
• ✓ Consider Master Plumber endorsement for owner exclusion in your state

Plumbing workers' comp in other states

Rates and requirements for plumbing contractors vary widely by state. Compare Colorado to other major markets:

Other industries in Colorado

Colorado workers' comp rates and requirements for other common industries: