Understanding the true cost of plumber insurance across different states is essential for accurate budgeting and competitive bidding. Our comprehensive analysis of over 900 plumber insurance quotes from leading insurers reveals significant regional variations in both general liability and workers’ compensation premiums that can impact your bottom line.
This state-by-state breakdown reflects actual market rates for plumbing businesses with these specific characteristics: For businesses generating $150K in revenue, we analyzed quotes for a single owner operation with approximately 10% subcontractor costs and at least 5 years of claims-free operation. Mid-size operations at $500K revenue include an owner plus 3 employees with similar subcontractor percentages and claims history. Larger businesses approaching $1M revenue encompass an owner plus 5 employees, maintaining the same operational profile.
The data reveals that plumbers can achieve substantial savings by shopping competitively, with potential savings ranging from 10% to over 70% between favorable and higher-end rates depending on your state and business size. These variations underscore the importance of obtaining multiple quotes and understanding your local market dynamics.
Before exploring the costs in detail, it’s crucial to understand the full range of plumber insurance coverage available– from general liability and workers’ compensation to professional liability, tools coverage, and commercial auto – as your total insurance investment depends on which policies your business truly needs.
Jump to State
Alabama
Alabama plumbers seeking general liability coverage with $1M/$2M limits can expect premiums ranging from 2.7% to 8.3% of annual revenue, as shown in the comprehensive breakdown below.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $7,600 | $4,100 | $12,500 | 46% |
| $500K | $23,300 | $11,100 | $41,500 | 52% |
| $1M | $45,600 | $18,500 | $71,900 | 58% |
Alabama’s workers’ compensation rate for plumbing contractors stands at $2.96 per $100 of payroll.
Alaska
For Alaska’s plumbing professionals, liability insurance premiums with standard $1M occurrence/$2M aggregate limits range from 1.5% to 2.7% of gross revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $2,300 | $2,300 | $4,025 | 0% |
| $500K | $7,600 | $7,600 | $11,400 | 0% |
| $1M | $15,200 | $15,200 | $22,800 | 0% |
Plumbers operating in Alaska face workers’ compensation costs of $3.71 per $100 of payroll.
Arizona
Arizona plumbing contractors will find general liability insurance costs ranging between 2.1% and 8.4% of revenue for policies offering $1M per incident and $2M total coverage.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $7,400 | $3,200 | $12,600 | 57% |
| $500K | $20,200 | $16,300 | $25,600 | 19% |
| $1M | $43,000 | $28,000 | $55,100 | 35% |
The state’s workers’ compensation premium for plumbers is calculated at $2.69 per $100 of payroll.
Arkansas
Plumbing businesses in Arkansas can anticipate liability coverage costs between 2.3% to 7.5% of their annual revenue for $1M/$2M protection levels.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $5,600 | $4,600 | $8,200 | 18% |
| $500K | $22,600 | $15,700 | $37,700 | 31% |
| $1M | $34,300 | $23,200 | $65,600 | 48% |
Arkansas maintains one of the lower workers’ comp rates at $1.45 per $100 in payroll expenses.
California
The Golden State’s plumbing contractors face general liability premiums spanning 4.1% to 10.9% of revenue for comprehensive $1M/$2M coverage limits.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $12,900 | $7,500 | $16,400 | 42% |
| $500K | $31,100 | $21,100 | $39,300 | 32% |
| $1M | $45,600 | $41,000 | $50,100 | 10% |
California plumbers also navigate workers’ compensation rates of $4.22 per $100 of payroll.
Colorado
In Colorado’s competitive market, plumbing professionals encounter liability insurance rates from 2.5% to 6.8% of gross revenue for $1M per occurrence and $2M aggregate limits.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $5,600 | $3,700 | $10,200 | 45% |
| $500K | $17,600 | $14,400 | $24,600 | 29% |
| $1M | $35,700 | $24,900 | $42,400 | 30% |
Workers’ comp coverage for Colorado plumbers runs $2.65 per $100 of employee payroll.
Connecticut
Connecticut’s plumbing industry sees general liability premiums varying from 3.5% to 10.3% of annual revenue for standard $1M/$2M coverage parameters.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $8,500 | $5,300 | $15,500 | 49% |
| $500K | $18,500 | $13,000 | $26,900 | 31% |
| $1M | $42,000 | $32,000 | $57,900 | 32% |
The state’s workers’ compensation structure charges plumbers $4.47 for every $100 in payroll.
Delaware
Delaware plumbers typically invest between 3.1% and 8.6% of their revenue in general liability insurance for $1M/$2M protection.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $7,500 | $4,600 | $12,900 | 46% |
| $500K | $24,000 | $14,300 | $32,700 | 40% |
| $1M | $47,300 | $29,700 | $62,400 | 37% |
Delaware’s workers’ compensation system requires $3.83 per $100 of payroll for plumbing operations.
Florida
The Sunshine State’s plumbing contractors experience liability insurance costs ranging from 4.1% to 9.7% of revenue for policies with $1M individual and $2M total limits.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $9,700 | $6,200 | $14,500 | 36% |
| $500K | $28,500 | $24,800 | $31,000 | 13% |
| $1M | $62,900 | $57,600 | $69,100 | 8% |
Florida plumbers face workers’ compensation expenses of $3.70 per $100 in payroll.
Georgia
Georgia’s plumbing industry confronts general liability rates spanning 3.3% to 12.1% of annual revenue for comprehensive $1M/$2M coverage.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $8,600 | $5,000 | $18,200 | 53% |
| $500K | $23,300 | $13,500 | $42,900 | 51% |
| $1M | $40,100 | $23,300 | $63,100 | 45% |
The Peach State calculates workers’ comp for plumbers at $3.71 per $100 of wages.
Hawaii
Hawaii’s plumbing contractors navigate liability premiums between 1.9% and 3.3% of their revenue for standard $1M/$2M coverage policies.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $3,500 | $2,900 | $5,000 | 14% |
| $500K | $12,600 | $9,900 | $16,600 | 21% |
| $1M | $24,000 | $19,800 | $30,500 | 17% |
Hawaiian plumbers encounter workers’ compensation rates of $4.51 per $100 of payroll.
Idaho
Idaho’s plumbing professionals find general liability coverage costs fluctuating between 2.5% and 5.4% of gross revenue for $1M/$2M policy limits.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $5,100 | $3,700 | $8,100 | 37% |
| $500K | $17,000 | $14,000 | $20,500 | 17% |
| $1M | $34,800 | $26,800 | $39,200 | 25% |
The Gem State sets workers’ compensation for plumbers at $3.88 per $100 of payroll.
Illinois
Illinois plumbing businesses encounter liability insurance rates ranging from 2.9% to 6.7% of revenue for policies offering $1M/$2M in coverage.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $6,700 | $4,400 | $10,100 | 34% |
| $500K | $19,900 | $15,700 | $25,100 | 21% |
| $1M | $40,600 | $31,600 | $44,500 | 22% |
Illinois requires plumbers to pay $4.06 per $100 of payroll for workers’ compensation coverage.
Indiana
Hoosier State plumbers can expect general liability premiums ranging from 2.8% to 5.9% of annual revenue for $1M occurrence/$2M aggregate protection.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $6,100 | $4,200 | $8,900 | 31% |
| $500K | $18,500 | $14,500 | $25,500 | 28% |
| $1M | $35,600 | $28,600 | $42,400 | 19% |
Indiana offers competitive workers’ comp rates at $1.37 per $100 of plumber payroll.
Iowa
Iowa’s plumbing contractors see liability insurance costs between 2.2% and 5.5% of their gross revenue for standard $1M/$2M coverage limits.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $5,100 | $3,300 | $8,200 | 39% |
| $500K | $16,200 | $12,200 | $20,300 | 20% |
| $1M | $35,000 | $25,000 | $38,000 | 29% |
Workers’ compensation for Iowa plumbers is set at $2.97 per $100 of employee wages.
Kansas
Kansas plumbing professionals experience liability premiums ranging from 2.5% to 5.4% of revenue for comprehensive $1M per claim and $2M total coverage.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $5,300 | $3,700 | $8,100 | 33% |
| $500K | $16,700 | $14,200 | $18,800 | 11% |
| $1M | $34,300 | $25,800 | $36,800 | 25% |
The Sunflower State charges plumbers $2.34 per $100 of payroll for workers’ compensation.
Kentucky
Kentucky’s plumbing industry faces general liability costs between 2.4% and 5.6% of annual revenue for policies with $1M/$2M limits.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $5,200 | $3,600 | $8,400 | 38% |
| $500K | $17,200 | $14,800 | $21,300 | 19% |
| $1M | $34,600 | $28,300 | $42,200 | 18% |
Workers’ comp in the Bluegrass State costs plumbers $1.78 per $100 of payroll.
Louisiana
Louisiana plumbers navigate liability insurance premiums spanning 3.4% to 9.1% of their revenue for $1M occurrence/$2M aggregate coverage.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $8,100 | $5,100 | $13,600 | 43% |
| $500K | $21,200 | $16,900 | $29,600 | 29% |
| $1M | $39,100 | $33,900 | $50,800 | 23% |
The Pelican State’s workers’ compensation rate for plumbers stands at $2.91 per $100 of payroll.
Maine
Maine’s plumbing contractors find general liability coverage ranging from 1.8% to 4.9% of gross revenue for standard $1M/$2M policy limits.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $4,300 | $2,700 | $7,400 | 42% |
| $500K | $13,700 | $10,800 | $17,400 | 21% |
| $1M | $26,700 | $18,500 | $29,500 | 28% |
Maine plumbers face one of the higher workers’ comp rates at $4.84 per $100 of wages.
Maryland
Maryland plumbing businesses see liability insurance costs varying from 3.7% to 9.3% of annual revenue for $1M/$2M coverage protection.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $8,100 | $5,500 | $14,000 | 42% |
| $500K | $22,100 | $18,400 | $33,600 | 34% |
| $1M | $42,600 | $37,400 | $55,000 | 23% |
Workers’ compensation for Maryland plumbers is calculated at $3.34 per $100 of payroll.
Massachusetts
Bay State plumbers encounter general liability premiums between 2.4% and 5.3% of revenue for policies offering $1M individual and $2M aggregate limits.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $5,100 | $3,600 | $8,000 | 36% |
| $500K | $15,700 | $13,100 | $19,600 | 20% |
| $1M | $30,800 | $24,800 | $35,600 | 19% |
Massachusetts charges plumbing contractors $3.08 per $100 of payroll for workers’ comp coverage.
Michigan
Michigan offers plumbing contractors significant premium variations, with liability costs ranging from 0.5% to 6.4% of revenue for $1M/$2M coverage.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $5,100 | $1,500 | $9,600 | 71% |
| $500K | $13,600 | $3,000 | $18,800 | 78% |
| $1M | $27,800 | $4,900 | $35,100 | 82% |
The Great Lakes State sets workers’ compensation at $3.06 per $100 of plumber payroll.
Minnesota
Minnesota’s plumbing industry experiences liability insurance rates between 2.3% and 5.1% of gross revenue for standard $1M/$2M policies.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $5,100 | $3,500 | $7,700 | 32% |
| $500K | $16,100 | $12,700 | $19,800 | 22% |
| $1M | $31,900 | $23,300 | $35,600 | 27% |
Land of 10,000 Lakes plumbers pay $3.71 per $100 of payroll for workers’ compensation.
Mississippi
Mississippi plumbing contractors face general liability premiums ranging from 2.8% to 8.0% of revenue for comprehensive $1M/$2M coverage.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $6,800 | $4,200 | $12,000 | 48% |
| $500K | $19,800 | $15,100 | $31,400 | 37% |
| $1M | $39,600 | $29,400 | $56,500 | 30% |
The Magnolia State’s workers’ comp rate for plumbers is $2.33 per $100 of payroll.
Missouri
Show-Me State plumbers can expect liability insurance costs between 2.9% and 7.0% of annual revenue for $1M occurrence/$2M aggregate limits.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $6,400 | $4,300 | $10,500 | 39% |
| $500K | $19,100 | $14,400 | $26,700 | 30% |
| $1M | $39,200 | $30,400 | $49,000 | 25% |
Missouri plumbers encounter workers’ compensation rates of $3.18 per $100 of wages.
Montana
Montana’s plumbing professionals find general liability premiums spanning 2.1% to 4.9% of their revenue for $1M/$2M policy protection.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $4,600 | $3,100 | $7,400 | 39% |
| $500K | $14,300 | $11,700 | $17,700 | 24% |
| $1M | $28,900 | $21,600 | $31,100 | 26% |
Big Sky Country charges plumbers $3.22 per $100 of payroll for workers’ comp coverage.
Nebraska
Nebraska plumbing businesses see liability coverage costs ranging from 2.3% to 5.1% of gross revenue for standard $1M/$2M limits.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $4,900 | $3,500 | $7,700 | 32% |
| $500K | $15,600 | $13,100 | $19,800 | 16% |
| $1M | $31,100 | $23,400 | $33,400 | 25% |
The Cornhusker State’s workers’ compensation rate for plumbers is $2.60 per $100 of payroll.
Nevada
Nevada plumbers navigate liability insurance premiums between 3.4% and 7.6% of revenue for policies offering $1M per claim and $2M total coverage.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $7,600 | $5,100 | $11,400 | 33% |
| $500K | $20,100 | $17,100 | $26,000 | 23% |
| $1M | $40,200 | $34,900 | $48,200 | 20% |
Silver State plumbers pay $2.30 per $100 of payroll for workers’ compensation insurance.
New Hampshire
The Granite State’s plumbing contractors experience liability costs from 2.0% to 4.8% of annual revenue for $1M/$2M coverage parameters.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $4,400 | $3,000 | $7,200 | 38% |
| $500K | $13,700 | $11,300 | $17,100 | 20% |
| $1M | $27,000 | $20,500 | $29,500 | 31% |
New Hampshire’s workers’ comp system charges plumbers $3.82 per $100 of employee wages.
New Jersey
Garden State plumbers face general liability premiums spanning 3.9% to 10.3% of revenue for comprehensive $1M occurrence/$2M aggregate policies.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $9,000 | $5,900 | $15,400 | 43% |
| $500K | $22,400 | $16,200 | $30,900 | 28% |
| $1M | $46,700 | $39,800 | $60,600 | 30% |
New Jersey maintains one of the highest workers’ comp rates at $6.02 per $100 of payroll.
New Mexico
New Mexico’s plumbing industry encounters liability insurance rates between 3.1% and 7.7% of gross revenue for standard $1M/$2M protection.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $7,100 | $4,700 | $11,600 | 39% |
| $500K | $19,800 | $15,600 | $27,300 | 28% |
| $1M | $38,300 | $31,200 | $50,300 | 24% |
Land of Enchantment plumbers pay $3.49 per $100 of payroll for workers’ compensation.
New York
Empire State plumbers confront some of the highest liability premiums, ranging from 5.9% to 10.7% of revenue for $1M/$2M coverage limits.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $13,000 | $9,200 | $16,100 | 29% |
| $500K | $29,600 | $26,000 | $39,000 | 12% |
| $1M | $68,100 | $58,800 | $80,000 | 14% |
New York also leads in workers’ comp costs at $8.92 per $100 of plumber payroll.
North Carolina
North Carolina plumbing contractors see liability insurance costs varying from 3.0% to 6.4% of annual revenue for $1M individual/$2M aggregate coverage.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $6,600 | $4,500 | $9,600 | 36% |
| $500K | $19,600 | $16,100 | $25,300 | 22% |
| $1M | $39,400 | $30,900 | $44,100 | 22% |
The Tar Heel State’s workers’ compensation rate for plumbers is $2.44 per $100 of wages.
North Dakota
North Dakota offers plumbers liability coverage with premiums between 1.8% and 4.6% of revenue for policies providing $1M/$2M limits.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $4,000 | $2,700 | $6,900 | 41% |
| $500K | $12,200 | $9,800 | $15,500 | 21% |
| $1M | $24,600 | $18,300 | $26,800 | 27% |
Peace Garden State plumbers benefit from low workers’ comp rates at $1.41 per $100 of payroll.
Ohio
Ohio’s plumbing professionals encounter general liability rates ranging from 2.8% to 6.2% of gross revenue for standard $1M/$2M coverage.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $6,100 | $4,200 | $9,300 | 34% |
| $500K | $18,700 | $15,200 | $24,200 | 23% |
| $1M | $37,400 | $28,500 | $42,600 | 24% |
The Buckeye State charges plumbers $2.14 per $100 of payroll for workers’ compensation.
Oklahoma
Oklahoma plumbing businesses face liability insurance premiums spanning 3.0% to 6.9% of revenue for comprehensive $1M/$2M policies.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $6,500 | $4,500 | $10,400 | 37% |
| $500K | $20,000 | $16,300 | $27,200 | 27% |
| $1M | $39,700 | $30,800 | $48,900 | 23% |
Sooner State plumbers pay $2.22 per $100 of wages for workers’ comp coverage.
Oregon
Oregon’s plumbing contractors navigate liability costs between 2.8% and 6.0% of annual revenue for $1M occurrence/$2M aggregate protection.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $6,100 | $4,200 | $9,000 | 36% |
| $500K | $18,300 | $14,800 | $23,300 | 21% |
| $1M | $36,600 | $28,700 | $41,300 | 22% |
The Beaver State offers competitive workers’ comp rates at $1.19 per $100 of plumber payroll.
Pennsylvania
Keystone State plumbers experience general liability premiums ranging from 3.7% to 9.7% of revenue for policies with $1M/$2M limits.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $8,300 | $5,600 | $14,600 | 43% |
| $500K | $21,700 | $17,600 | $29,600 | 27% |
| $1M | $43,900 | $37,100 | $55,700 | 27% |
Pennsylvania’s workers’ compensation system requires $3.74 per $100 of payroll for plumbers.
Rhode Island
Rhode Island plumbing professionals find liability insurance costs between 2.3% and 5.3% of gross revenue for standard $1M/$2M coverage.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $5,000 | $3,500 | $8,000 | 37% |
| $500K | $15,400 | $12,800 | $19,400 | 21% |
| $1M | $30,200 | $23,300 | $33,700 | 24% |
Ocean State plumbers encounter workers’ comp rates of $3.21 per $100 of employee wages.
South Carolina
South Carolina’s plumbing industry faces liability premiums spanning 3.1% to 7.1% of revenue for $1M per claim and $2M aggregate coverage.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $6,800 | $4,700 | $10,700 | 37% |
| $500K | $20,400 | $16,600 | $27,400 | 26% |
| $1M | $40,200 | $31,500 | $47,800 | 24% |
The Palmetto State’s workers’ compensation rate for plumbers is $3.18 per $100 of payroll.
South Dakota
South Dakota plumbers enjoy relatively low liability costs, ranging from 2.0% to 4.8% of annual revenue for $1M/$2M policies.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $4,300 | $3,000 | $7,200 | 40% |
| $500K | $13,500 | $11,100 | $17,000 | 21% |
| $1M | $26,700 | $20,600 | $29,200 | 26% |
Mount Rushmore State plumbers pay $2.58 per $100 of payroll for workers’ comp insurance.
Tennessee
Tennessee plumbing contractors see general liability premiums between 3.0% and 6.5% of revenue for comprehensive $1M/$2M protection.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $6,600 | $4,500 | $9,800 | 35% |
| $500K | $20,100 | $16,400 | $26,100 | 23% |
| $1M | $39,700 | $30,700 | $45,800 | 25% |
The Volunteer State charges plumbers $2.22 per $100 of wages for workers’ compensation.
Texas
Lone Star State plumbers navigate liability insurance costs ranging from 3.2% to 6.4% of gross revenue for standard $1M/$2M limits.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $7,700 | $4,800 | $9,600 | 38% |
| $500K | $21,500 | $18,100 | $27,400 | 16% |
| $1M | $47,600 | $36,200 | $54,900 | 24% |
Texas plumbers benefit from competitive workers’ comp rates at $1.93 per $100 of payroll.
Utah
Utah’s plumbing professionals encounter liability premiums between 2.8% and 6.5% of revenue for policies offering $1M occurrence/$2M aggregate coverage.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $6,100 | $4,200 | $9,700 | 39% |
| $500K | $18,600 | $14,900 | $24,600 | 26% |
| $1M | $36,800 | $28,900 | $43,500 | 25% |
The Beehive State’s workers’ compensation rate for plumbers is $1.71 per $100 of employee wages.
Vermont
Vermont plumbing businesses find general liability costs spanning 1.9% to 4.8% of annual revenue for $1M/$2M coverage parameters.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $4,200 | $2,900 | $7,200 | 42% |
| $500K | $13,000 | $10,700 | $16,500 | 21% |
| $1M | $25,600 | $19,400 | $28,300 | 28% |
Green Mountain State plumbers face one of the highest workers’ comp rates at $4.93 per $100 of payroll.
Virginia
Virginia’s plumbing contractors experience liability insurance premiums ranging from 3.4% to 7.3% of revenue for standard $1M/$2M policies.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $7,400 | $5,100 | $11,000 | 33% |
| $500K | $22,100 | $18,100 | $28,700 | 23% |
| $1M | $43,500 | $34,300 | $50,200 | 27% |
Old Dominion plumbers pay $2.02 per $100 of payroll for workers’ compensation coverage.
Washington
Washington State plumbers see liability coverage costs between 2.7% and 5.9% of gross revenue for comprehensive $1M/$2M protection.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $6,000 | $4,100 | $8,900 | 33% |
| $500K | $18,100 | $14,700 | $22,900 | 21% |
| $1M | $35,700 | $27,900 | $40,400 | 26% |
Evergreen State plumbers encounter workers’ comp rates of $2.48 per $100 of employee wages.
West Virginia
West Virginia offers plumbers some of the most competitive liability rates, ranging from 2.0% to 5.8% of revenue for $1M/$2M policies.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $4,700 | $3,000 | $8,700 | 47% |
| $500K | $14,400 | $10,800 | $20,600 | 30% |
| $1M | $28,400 | $20,500 | $36,200 | 28% |
Mountain State plumbers enjoy the lowest workers’ comp rate at $1.17 per $100 of payroll.
Wisconsin
Wisconsin’s plumbing industry faces general liability premiums between 2.3% and 5.4% of annual revenue for $1M occurrence/$2M aggregate limits.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $5,100 | $3,500 | $8,100 | 38% |
| $500K | $16,000 | $12,600 | $20,100 | 21% |
| $1M | $31,600 | $23,600 | $35,000 | 28% |
Badger State plumbers pay $2.63 per $100 of wages for workers’ compensation insurance.
Wyoming
Wyoming plumbing contractors navigate liability insurance costs ranging from 2.3% to 5.3% of revenue for policies providing $1M/$2M coverage.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $5,000 | $3,400 | $7,900 | 37% |
| $500K | $15,500 | $12,500 | $19,800 | 22% |
| $1M | $30,700 | $23,400 | $34,600 | 26% |
Equality State plumbers benefit from workers’ compensation rates of $2.17 per $100 of payroll.
Take Action on Your Plumber Insurance Costs Now
Our comprehensive analysis of plumber insurance costs across all 50 states reveals an undeniable truth: plumbing contractors nationwide are potentially overpaying by thousands of dollars annually. The data shows savings opportunities ranging from 10% to 82% between higher-end and favorable rates, with states like Michigan offering particularly dramatic cost reductions for well-qualified contractors.
Here’s what this means for your bottom line: a plumbing business generating $500,000 in revenue could reduce insurance costs by an average of $5,400 per year simply by securing favorable rates. For plumbers approaching $1 million in revenue, annual savings often exceed $9,200. That’s $46,000 over five years that could fund new equipment, service vehicle upgrades, or apprentice training programs rather than inflated insurance premiums.
The real challenge facing plumbing contractors isn’t just knowing these savings exist—it’s actually accessing them. Traditional insurance channels often limit you to a few carriers who may not specialize in plumbing work. Many plumbers settle for the first quote they receive, unaware that better options exist in their market.
ContractorNerd eliminates these barriers for plumbing contractors. Built exclusively for trades professionals, our platform connects you with insurance carriers who understand plumbing work and price it fairly. We’ve negotiated access to the favorable rates highlighted throughout this guide, making them available to qualified plumbing contractors like you.
Take These Steps Today:
Discover Your Savings in Minutes – Access ContractorNerd’s platform to receive customized quotes based on your specific plumbing business. Our technology instantly compares rates from carriers specializing in plumbing contractor coverage, revealing your true savings potential without any commitment or sales pressure.
See Exactly What You’ll Save:
- Coverage options tailored to plumbing contractor needs
- Identification of carriers offering the most competitive rates in your state
- Available discounts for safety programs, experience, and claims-free history
Secure Better Coverage Immediately – Ready to reduce your insurance costs? Our digital platform enables you to bind coverage the same day, ensuring you start saving immediately. The entire process typically takes less than 20 minutes, with digital certificates of insurance available instantly for your current projects.
Every Day of Delay Costs You Money – The premium differences documented in this guide aren’t theoretical—they represent real money plumbing contractors save by choosing the right carrier. With contractor-friendly insurers actively competing for your business, there’s never been a better time to evaluate your options. ContractorNerd’s free quote platform removes all barriers to discovering better rates.
Start Your Savings Journey Now and understand why thousands of plumbing contractors rely on ContractorNerd for superior coverage at lower costs. Join the growing number of plumbers saving 20-50% on their insurance while maintaining comprehensive protection for their business.
Your plumbing business faces enough challenges without overpaying for insurance. Take advantage of the competitive market and secure the favorable rates you deserve. Visit ContractorNerd.com today and put those savings back where they belong—in your business.
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