 Progressive presents 10 things on a plumber's to-do list that are harder than getting a small business insurance quote. Waking up for 5 a.m. plumbing disasters, finding out why water is pouring from the ceiling, replacing a pipe in a home from the 1800s, then dealing with invoices or your awkward apprentice or that really weird smell, and then there's breathing and eating and, of course, clogs. But the easiest thing on any small business owner's to-do list? Seeing if you could save on the business insurance.