 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.