Business insurance • Michigan plumbing contractors
Michigan Plumbing Contractor Insurance: Contractor License and Workers’ Comp
Michigan’s LARA licenses plumbing contractors, and each contractor must be or employ the Master Plumber who represents the business. The state sets no general liability minimum or license bond, but workers’ compensation applies to employers with three or more workers, or one worker averaging 35 hours a week for 13 weeks.
This guide covers Michigan plumbing licensing, workers’ comp, coverage, and typical costs. Blake Insurance Group is an independent agency licensed in Michigan, and a licensed agent can compare quotes for your plumbing business.
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Michigan plumbing contractor license
- A plumbing contractor must be, or employ, the Master Plumber who represents the business, and LARA will not issue the license without that representative (Contractor License Requirements (Michigan plumber guide)).
- A Master Plumber needs 4,000 hours as a journey plumber in the two years before applying.
- No statewide general liability minimum or license bond applies, but permits, cities, and projects may set their own.
Michigan workers’ compensation
| Rule | Detail |
|---|---|
| Three or more workers | Regularly employs three or more at one time, including part-time |
| One full-time worker | Regularly employs at least one worker 35+ hours a week for 13+ weeks in the past 52 weeks |
Coverage most Michigan plumbers carry
- General liability: third-party injuries and property damage, such as a failed fitting that floods a customer’s home.
- Business owner’s policy: general liability bundled with property coverage for your shop and stock, often at a lower combined price.
- Workers’ compensation: medical bills and lost wages if an employee is hurt on the job.
- Commercial auto: service vans and trucks that carry crews, parts, and equipment.
- Tools and equipment (inland marine): pipe threaders, drain machines, and cameras on job sites or in transit.
- Commercial umbrella: extra limits on top of general liability and auto, often required on commercial jobs.
What Michigan plumbers pay
| Policy | Monthly | Annual |
|---|---|---|
| General liability | $147 | $1,768 |
| Business owner’s policy | $213 | $2,559 |
| Workers’ compensation | $179 | $2,150 |
| Commercial auto | $285 | $3,415 |
| Tools and equipment | $42 | $505 |
| Professional liability | $67 | $808 |
| Commercial umbrella | $93 | $1,111 |
Costs reported by Insureon for plumbing businesses that bought policies through its site, mostly with fewer than five employees. Your price depends on payroll, the work you do, claims history, and location.
Michigan plumbing insurance FAQs
Who licenses plumbing contractors in Michigan?
LARA, through the Bureau of Construction Codes. The business must be or employ a Master Plumber.
Does Michigan require general liability for plumbers?
There is no statewide minimum, but permits, cities, and clients often require it.
Do Michigan plumbers need workers’ comp?
Employers with three or more workers, or one worker averaging 35+ hours a week for 13 weeks, must carry it.
Related guides
- Plumbing contractor insurance
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- Michigan surety bonds
- Michigan contractor insurance
- General liability insurance
- Workers’ compensation insurance
- Commercial auto insurance
- Contractor insurance
- Michigan electrical contractor insurance
- Michigan HVAC contractor insurance
Important information
Compensation. The link in the partner quote box near the top of this page is sponsored, and Blake Insurance Group may be paid if you make a purchase. Sponsored placement does not affect the other information on this page.
Independent agency. Blake Insurance Group LLC is an independent insurance agency. Licensed insurance producer NPN 16944666. Licensed states: AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, and WA. Which insurance companies we can quote depends on our current appointments, the product, and your state. Mentioning a company on this page does not mean we represent it.
Cost figures. Published averages and ranges are cited from the sources named, as of the dates shown. They are not quotes and may not reflect your price, which depends on the insurer, your state, your payroll, the work you do, and your claims history.
Availability. Coverage, prices, discounts, and eligibility vary by insurer, state, and applicant, and are subject to underwriting. The issued policy controls.
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