plumbers coverage calculator
Your pay, your loans, your work plan. See the gap in 30 seconds.
OpenIf you die on the job
What workers comp, work plans and Social Security pay, and what they don't.
OpenWhy it matters
In 2023, pipelayers, plumbers, pipefitters, and steamfitters had a fatal injury rate of 5.8 per 100,000 full time workers. The rate for all workers was 3.5.
Some plumbers run their own business. If you work for yourself, there is no work life plan unless you buy one. A plan you own can protect your family.
- BLS says common injuries include cuts from sharp tools, burns from hot pipes, and falls from ladders.
- Life insurance from work usually ends when you leave the job. A basic work plan often pays only one or two times your yearly pay.
What an insurer may ask you
Have these ready. Being honest up front gets you a real price and avoids problems at claim time.
- Your job: home service, new building, or industrial pipe work
- Work at heights or in trenches
- Whether you are self employed
- Your age, health, and tobacco use
Common questions
Can plumbers get life insurance?
Yes. Plumbing is not one of the riskiest jobs. Your age and health matter most.
I run my own plumbing shop. Do I have coverage?
Only if you bought it. There is no employer plan when you work for yourself.
Does my union or job give me coverage?
It might. Work coverage usually ends when you leave. A policy you own does not.
How much coverage should I get?
Think about your mortgage, debts, kids, and how many years your family would need your pay.
