Workers' Comp Insurance for Plumbing Businesses in Connecticut

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 Connecticut. The Connecticut workers' compensation market is governed by NCCI, and the average rate statewide is approximately $1.53 per $100 of payroll.

Connecticut requirements for plumbing businesses

When required: Required for any employer with at least one employee.

Sole proprietors: Sole proprietors are exempt unless they elect coverage by filing notice with the Workers' Comp Commission.

Owner / officer exclusion: Sole corporate officers may be excluded; multiple officers must all be covered.

Plumbing class codes used in Connecticut

Why plumbing workers' comp is tricky in Connecticut

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 Connecticut 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 Connecticut to other major markets:

Other industries in Connecticut

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