Flow City Plumbing vs Fluid Dynamics Plumbing

For most routine plumbing work, probably not significantly—both are very new contractors still building their track records. The larger concern is that Flow City operates without workers compensation insurance. If you're choosing between them, the insurance gap is more consequential than one year of additional licensing, especially since customer feedback for both is similarly positive.

Without workers compensation, the injured worker can potentially pursue your homeowner's insurance for medical bills, lost wages, and other damages. Workers comp exists specifically to protect homeowners from this liability. Before hiring Flow City, call your insurance agent to understand your coverage and get confirmation in writing—some policies exclude this coverage entirely.

Both are newer contractors, which means less track record to evaluate. For major projects like whole-house repiping, ask for detailed references from similar jobs, verify they can obtain permits if needed, and consider whether their insurance coverage (particularly Fluid Dynamics having workers comp) suggests business stability. Many skilled plumbers start their own companies after years working for others—ask about their technicians' total industry experience.

Some very small contractors or sole proprietors may not be required to carry workers comp depending on their business structure, though this varies by state and situation. However, this doesn't eliminate your liability risk as the property owner. The absence of workers comp may indicate a very small operation or an owner-operator model, but you should ask Flow City directly about their coverage and business structure.