As a plumbing professional in Kansas, protecting your business with proper insurance coverage is essential for long-term success and regulatory compliance. Whether you’re a solo plumber or managing a larger operation, understanding your insurance needs and costs is crucial. This comprehensive guide breaks down the essential insurance coverages Kansas plumbers need, including detailed cost analysis based on our research of over 900 plumber quotes from leading carriers.
Review essential information about plumbing contractor protection options.
General Liability Insurance for Kansas Plumbers
Based on our analysis of over 900 plumber quotes from leading carriers, here are the typical liability insurance costs for Kansas plumbers:
Average Annual Premiums and Potential Savings
| Revenue Size | Average Premium | % of Revenue | Favorable Rate | Potential Savings |
|---|---|---|---|---|
| $150K | $8,800 | 5.9% | $3,600 | 59% |
| $500K | $13,400 | 2.7% | $4,100 | 69% |
| $1M | $31,200 | 3.1% | $18,800 | 40% |
These premiums assume:
- Clean claims history (5+ years without incidents)
- Standard $1M/$2M coverage limits
- Mix of residential and commercial work
- Approximately 10% subcontractor costs
Worker’s Compensation Insurance for Kansas Plumbers
Worker’s compensation insurance is essential for Kansas plumbers with employees. Based on our analysis:
Average Workers’ Compensation Costs
- Cost per employee: $6,210 annually
- Cost per $100K of payroll: $2,500
Key factors affecting premiums:
- Job classification (Code 5183 for plumbers)
- Total annual payroll
- Claims history
- Safety programs
- Experience modifier rating (EMR)
Additional Business Insurance for Plumbers in Kansas
1. Commercial Auto Insurance
- Annual cost: $1,500-$3,050 per vehicle
- Standard limits: $100K per person, $300K per accident
- Higher limits ($500K-$1M) recommended
2. Tools & Equipment Coverage
- Annual premiums: $200-$2,000
- Policy limits: $5,000-$15,000+
- Per-item limit typically $5,000
3. Plumber Bonds
| Bond Amount | Excellent Credit | Good Credit | Bad Credit |
|---|---|---|---|
| $5,000 | $100-$150 | $150-$200 | $200-$400 |
| $10,000 | $100-$300 | $300-$500 | $500-$1,000 |
| $15,000 | $150-$400 | $400-$750 | $750-$1,500 |
4. Commercial Property Insurance
- Annual premiums: $1,000-$5,000
- Coverage for buildings and contents
- Protection against fire, theft, vandalism
5. Contractors’ E&O Insurance
- Annual premiums: $50-$500
- Policy limits: $10,000-$1M+
- Covers professional negligence claims
Get Kansas Plumber Liability with ContractorNerd
ContractorNerd makes plumbers insurance simple and data-driven in Kansas through:
- Expert analysis of multiple carrier quotes
- Specialized knowledge of plumbing industry risks
- Streamlined application process
- Ongoing policy management support
- Claims advocacy when needed
Our plumbing insurance specialists help you:
- Find optimal coverage levels
- Secure competitive rates
- Bundle policies for maximum savings
- Ensure compliance with state regulations
Visit our online quote tool or speak with a plumbing insurance specialist to get started with tailored coverage for your Kansas plumbing business.