Quick Answer
California plumbers (C-36 license) pay pricing varies by classification, payroll, operations, claims history, limits, and underwriting for workers' compensation insurance. Class C-36 rates run approximately pricing varies by classification, payroll, operations, claims history, limits, and underwriting per $100 of payroll. A sole proprietor with no employees (ghost policy) pays pricing varies by classification, payroll, operations, claims history, limits, and underwriting/year to comply with SB 216. Call (858) 925-9555 for an coverage review.
Plumber WC Costs by Business Structure
| Structure | Annual Cost | Notes |
|---|---|---|
| Sole proprietor (ghost policy) | pricing varies by classification, payroll, operations, claims history, limits, and underwriting | SB 216 compliant, no employees |
| 1–2 employees | pricing varies by classification, payroll, operations, claims history, limits, and underwriting | Depends on payroll and claims |
| 3–5 employees | pricing varies by classification, payroll, operations, claims history, limits, and underwriting | Higher payroll = higher premium |
What Affects Your C-36 Plumber Rate
Experience Modification Rate (EMR): Your safety record. 0.80 EMR = 20% discount. 1.20 EMR = 20% increase.
Payroll: Higher payroll = higher premium.
Claims history: Each claim stays on record 3–5 years.
Safety program: Documented training earns 5–15% credit.
How to Lower Your Plumber WC Premium
Improve EMR: Reduce injuries, implement safety training, maintain tools, report incidents promptly.
Increase deductible: Higher deductible = lower premium.
Bundle policies: GL + WC + Auto = multi-policy discount (10–20%).
Shop annually: Rates vary by carrier. We shop 8+ carriers for C-36 plumbers.
Plumber WC quote? Call (858) 925-9555 or Request a coverage review online.
Related: Workers' Compensation Insurance · General Liability Insurance
Call (858) 925-9555 — plumber workers' comp, timely binding.