Workers' Comp Insurance for Plumbing Businesses in North Dakota

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 North Dakota. The North Dakota workers' compensation market is governed by WSI (state fund) — a monopolistic state fund (no private market), and the average rate statewide is approximately $0.78 per $100 of payroll.

North Dakota requirements for plumbing businesses

When required: All employers must obtain coverage from Workforce Safety & Insurance (WSI) — the state monopolistic fund.

Sole proprietors: Sole proprietors are exempt unless they elect.

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

Plumbing class codes used in North Dakota

Why plumbing workers' comp is tricky in North Dakota

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 North Dakota 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 North Dakota to other major markets:

Other industries in North Dakota

North Dakota workers' comp rates and requirements for other common industries: