Serving plumbing contractors across the Carolinas from Lancaster, SC. Commercial coverage and employee benefits under one roof — with same-day callbacks and a real person who answers.
Plumbing Insurance That Protects Your
Business and Your Crew
Independent & Veteran-Owned Since 2003
A water heater you installed six months ago starts leaking, and suddenly you’re facing a five-figure claim — and most plumbers read their policy closely for the first time the day that claim gets filed.
Protect the Business - Commercial Insurance
- General liability — covers claims of property damage or bodily injury tied to your work.
- Workers’ comp — medical care and wage replacement when a crew member is hurt on the job. Generally required in SC once you have four or more employees.
- Commercial property — your tools, equipment, and inventory against fire, theft, and vandalism.
- Commercial auto — your trucks and vans, on the road and at the job site.
- Business interruption — lost income and operating costs covered when a disaster shuts you down.
Take Care of the Crew - Employee Benefits
- Health insurance — strong medical coverage options that help you keep good plumbers on the payroll.
- Dental & vision — routine care, procedures, and corrective lenses.
- Life insurance — financial security for your team’s families.
- Worksite & voluntary benefits — wellness programs and add-ons that boost retention.
- Employee Concierge Service — your crew talks to a real person here, not an 800 number.
The Cost of the Wrong Policy
A single uncovered claim — a flooded basement, a job-site injury, a wrecked work truck — can wipe out a year of profit. And the wrong benefits package quietly bleeds your best plumbers to the competition. Most owners don’t find the gap until they’re standing in it.
Why Plumbers Choose HFC
HFC started in 2003 as a one-person agency after a corporate office closed its doors. Marty Haynes — Air Force veteran and Lancaster native — took eight years of carrier-side experience and built a local-first alternative to the national brokerages. Two decades later we’re still independent, still local, and we still answer the phone ourselves.
★★★★★ Five-star Google reviews from local businesses and families.
The Sundown Promise — your call gets returned the same day.
“We Show Up” — on the phone, in your shop, and at renewal.
Independent & veteran-owned — we shop multiple carriers for you, not one.
Frequently Asked Questions from Plumbing Contractors
What insurance does a plumbing business need in South Carolina?
Most plumbing contractors carry general liability, workers’ comp, commercial property, and commercial auto. Many add business interruption and employee benefits. The right mix depends on your crew size and the work you take on.
Do plumbers need workers’ comp in South Carolina?
Generally, South Carolina requires workers’ compensation once a business has four or more employees, full- or part-time. We can confirm what applies to your shop.
How much does plumbing insurance cost?
It depends on your payroll, revenue, coverage, and claims history. We shop multiple carriers to find a competitive rate — a free review gives you real numbers, not a ballpark.
Can HFC handle both my business insurance and my team’s benefits?
Yes — that’s the point. One local agency for your commercial coverage and your employee benefits, so nothing falls through the cracks between two brokers.
How fast can I get a quote?
Call 803-286-1161 or request a review online. True to our Sundown Promise, we return calls the same day.
Stop guessing whether you’re covered.
Get a free plumbing coverage review — no obligation, no jargon, real numbers.