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About PlumbersComp.

PlumbersComp is a licensed insurance agency placing workers compensation for plumbing, HVAC, electrical, and fire sprinkler contractors with W-2 payroll. Coverage is underwritten by Vesper Risk and issued by Clear Spring Property and Casualty Group, rated A− (Excellent) by A.M. Best. Workers compensation is the only thing we do.

The team behind PlumbersComp

After years on the insurance company side, we saw how small contractors get treated. Nobody explains why their premium is what it is or what they can do to lower it, and when they have a question they wait on hold, because a small account is not a priority for their agent. Contractors are busy, they run their business from their phone, and they never asked to be in the insurance business. We built PlumbersComp to make workers comp fast and easy to understand, so you can be confident you are paying the right price — a real number from people who price workers comp all day.

Photo of Brad St. Pierre

Brad St. Pierre, FCAS, MAAA

CO-PRESIDENT · FELLOW OF THE CASUALTY ACTUARIAL SOCIETY · LICENSED PRODUCER

Brad has spent his career in workers’ compensation. He was chief operating officer of a workers’ compensation insurance company and ran a workers’ compensation consulting practice before co-founding Vesper Risk. He is a Fellow of the Casualty Actuarial Society, a Member of the American Academy of Actuaries, and a licensed insurance producer.

Photo of Derek Schaff

Derek Schaff, FCAS

CO-PRESIDENT · FELLOW OF THE CASUALTY ACTUARIAL SOCIETY

Derek has more than 20 years in property and casualty insurance, most recently as VP of Data Science at a workers’ compensation carrier. Before that he worked in analytics at a workers’ compensation rating bureau. His predictive models allow contractors to get the most reasonable insurance premiums. He is a Fellow of the Casualty Actuarial Society.

Behind them is a team of licensed producers, underwriters, and a policy administration team with Spanish-speaking members.

What makes us different

We do not have to fight with an underwriter at the insurance company. Through Vesper Risk, we set your pricing with our own underwriters, and the insurance company approves it based on its review. That lets us make sure your premium is not excessive. Most agents do not have this authority — they have to accept what the insurance company tells them. We fight for you.

How PlumbersComp works

  • Tell us about your business. A few quick questions on your phone — about a minute. No application for the indication and no insurance vocabulary.
  • Get an indication in 1–2 business days. Reviewed by a licensed person, not generated by a website.
  • We quote within 60 days of your renewal or effective date, bind the policy, and issue your certificates.
  • One person to call. You talk to a licensed producer who works with the underwriter and explains it in plain words — in English or Spanish.
  • Billing is direct from the insurer, with pay-as-you-go available.

Key facts

Company name
PlumbersComp, a trade name of Vesper Risk
Type
Licensed insurance agency — workers compensation only
Founded
Vesper Risk, 2024
Founders
Brad St. Pierre, FCAS, MAAA, and Derek Schaff, FCAS, co-presidents
Headquarters
Zionsville, Indiana
Core offering
Workers compensation for plumbing (NCCI 5183), HVAC (5537), electrical (5190), and fire sprinkler (5188) contractors with W-2 payroll
Underwriting
Underwritten by Vesper Risk; issued by Clear Spring Property and Casualty Group, rated A− (Excellent) by A.M. Best
Pricing
Premium only — no broker fee, policy fee, or service fee. Premium is based on filed rates for your class code, payroll, and experience
Contract terms
Annual workers compensation policy, billed directly by the insurer; pay-as-you-go available
Services
Indications, quotes, binding, certificates of insurance, Spanish-language service
Communication
Phone, email, and online forms. Indications in 1–2 business days; quotes within 60 days of renewal or effective date; certificate requests by email to brad@plumberscomp.com
Where we write
Arizona, Utah, Florida, Georgia, Missouri, Illinois, and Texas. Licensed in 50 states
Customers served
Small and mid-size trade contractors, including new ventures

Speak to your agent

If you want to talk it through in real words, call the number for your state (FL 754-318-3841, AZ 602-529-5170, UT 385-510-2992, GA 404-795-7337, MO 314-584-2859, IL 312-634-6107, TX 682-452-1675), or email brad@plumberscomp.com. Have a question first? Read the frequently asked questions.