Workers' Comp Insurance for Plumbing Businesses in Montana

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 Montana. The Montana workers' compensation market is governed by NCCI, and the average rate statewide is approximately $1.66 per $100 of payroll.

Montana requirements for plumbing businesses

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

Sole proprietors: Sole proprietors are exempt unless they elect.

Owner / officer exclusion: Officers and LLC members may be excluded.

Plumbing class codes used in Montana

Why plumbing workers' comp is tricky in Montana

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 Montana 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 Montana to other major markets:

Other industries in Montana

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