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Workers Comp Class Code Rates

Construction Workers Comp Codes

See The Table Below For Comprehensive List Of  Construction Workers Comp Class Codes

Separation Of Payroll - Why Contractors Should Be Familiar With Construction Workers Comp Codes 

It's always important to properly classify your business' operations.  But construction firms, in particular, can benefit from the ability to separate workers' payroll into multiple workers comp codes.  A construction worker is allowed to have his/her payroll separated and applied to more than one workers comp class code.  This can be a valuable tool to control workers compensation insurance costs if done correctly. 

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The responsibility is the employer's for keeping proper payroll records to separate between different workers comp codes; not the insurance company auditor's.  If the employer's records are not sufficient to properly separate payroll among the appropriate workers comp class codes, the auditor will apply the highest rated (most expensive) workers comp class code applicable.

Example:  Let's say you are a home builder who self-performs some of the work on your projects.  And, you have a crew that does exterior carpentry and drywall. 

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  • The carpentry work is would be classified as workers comp code 5645 and $13.28/$100 payroll. 

  • The drywall work would be classified as work comp code 5445 and priced at $5.93/$100 payroll.

Construction Workers Comp Codes

If you keep proper payroll records, you can separate your crew's payroll between these 2 activities and pay the corresponding rate for each activity.  However, if you don't keep the proper payroll records, your insurance company auditor is supposed to apply the higher rated workers comp class code ( 5645 - $13.28)  to 100% of the crew's payroll.  In this example you'd be overpaying your workers compensation insurance company more than double for the time your workers spend on drywalling!!!!!

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Complexity Of Construction Workers Comp Classification

To give you one example of many:  In 2021 NCCI reported that Construction Workers Comp Code 0042 Landscape Gardening was the most misclassified workers comp code.  And, it reported that 0042 was most frequently misapplied in place of workers comp code 9102 Lawn Maintenance.

On the surface it doesn't appear that there may be much distinguishing the 2 workers comp does from one another.  And, in fact, there does seem to be some overlap in the definition ("scope") of both work comp codes.

construction work comp insurance quote

However, 9102 Lawn Maintenance is NOT a "construction workers comp code."  The difference in pricing is substantial in most states.  Also, in states that utilize a Contractor's Credit Program for workers' compensation insurance, a classification error can result in even more significant pricing discrepancies. 

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Work comp class codes can be very tricky to classify properly; construction workers comp codes even more so.  Also, misclassifications can dramatically skew your Experience Modification Rate.

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Note: If you are unfamiliar with Experience Modification Rating, our Experience Modification Rate FAQ page will be a good resource for you.

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You could be entitled to a workers comp refund if misclassified.  And, any such refund from a workers comp code misclassification could result in indefinite savings on future workers comp policies.

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Due to the complexity of workers compensation pricing it is a good idea to have a workers comp audit periodically by an expert.  A work comp audit is worthwhile due diligence that shouldn't cost your time or money to undertake. 

3700 Class Code
5400 Class Code

Interested in current pricing estimates for any of these workers comp class codes?  Click on any of the codes to see work comp rates.

Workers

Comp Code

Class Code 0042

Class Code 3719

Class Code 5020

Class Code 5022

Class Code 5037

Class Code 5059

Class Code 5102

Class Code 5146

Class Code 5160

Class Code 5183

Class Code 5188

Class Code 5190

Class Code 5213

Class Code 5215

Class Code 5221

Class Code 5222

Class Code 5223

Class Code 5348

Class Code 5402

Class Code 5403

Class Code 5437

Class Code 5443

Class Code 5445

Class Code 5462

Class Code 5472

Class Code 5473

Class Code 5474

Class Code 5478

Class Code 5479

Class Code 5480

Class Code 5491

Class Code 5506

Class Code 5535

Class Code 5537

Class Code 5551

Class Code 5606

Class Code 5610

Class Code 5645

Class Code 5703

Class Code 5705

Class Code 6003

Class Code 6005

Class Code 6045

Class Code 6204

Class Code 6206

Class Code 6213

Class Code 6214

Class Code 6216

Class Code 6217

Class Code 6229

Class Code 6233

Class Code 6235

Class Code 6236

Class Code 6237

Class Code 6251

Class Code 6252

Class Code 6306

Class Code 6319

Class Code 6325

Class Code 6400

Class Code 7538

Class Code 7605

Class Code 7855

Class Code 8227

Class Code 9534

Class Code 9554

 

Workers Comp Code Description

LANDSCAPE GARDENING And DRIVERS

OIL STILL ERECTION OR REPAIR

CEILING INSTALLATION--SUSPENDED ACOUSTICAL GRID TYPE

MASONRY NOC

PAINTING--METAL STRUCTURES--OVER TWO STORIES IN HEIGHT--And DRIVERS

IRON OR STEEL--ERECTION--FRAME STRUCTURES NOT OVER TWO STORIES IN HEIGHT

DOOR AND WINDOW INSTALLATION--ALL TYPES--RESIDENTIAL AND COMMERCIAL

FURNITURE OR FIXTURES INSTALLATION--PORTABLE--NOC

ELEVATOR ERECTION OR REPAIR

PLUMBING NOC And DRIVERS

AUTOMATIC SPRINKLER INSTALLATION And DRIVERS

ELECTRICAL WIRING--WITHIN BUILDINGS And DRIVERS

CONCRETE CONSTRUCTION NOC

CONCRETE WORK--INCIDENTAL TO THE CONSTRUCTION OF PRIVATE RESIDENCE

CONCRETE OR CEMENT WORK--FLOORS, DRIVEWAYS, YARDS OR SIDEWALKS And DRIVERS

CONCRETE CONSTRUCTION IN CONNECTION WITH BRIDGES OR CULVERTS

SWIMMING POOL CONSTRUCTION--NOT IRON OR STEEL--And DRIVERS

CERAMIC TILE, INDOOR STONE, MARBLE, OR MOSAIC WORK

HOTHOUSE ERECTION--ALL OPERATIONS

CARPENTRY--NOC

CARPENTRY--INSTALLATION OF CABINET WORK OR INTERIOR TRIM

LATHING And DRIVERS

WALLBOARD, SHEETROCK, DRYWALL, PLASTERBOARD, OR CEMENT BOARD INSTALLATION WITHIN BUILDINGS And DRIVERS

GLAZIER--AWAY FROM SHOP And DRIVERS

ASBESTOS REMOVAL OPERATIONS--CONTRACTOR--PIPE AND BOILER WORK EXCLUSIVELY And DRIVERS

ASBESTOS REMOVAL OPERATIONS--CONTRACTOR--NOC And DRIVERS

PAINTING NOC And SHOP OPERATIONS, DRIVERS

FLOOR COVERING INSTALLATION--RESILIENT FLOORING--CARPET AND LAMINATE FLOORING

INSULATION WORK NOC And DRIVERS

PLASTERING NOC And DRIVERS

PAPERHANGING And DRIVERS

STREET OR ROAD CONSTRUCTION--PAVING OR REPAVING And DRIVERS

SHEET METAL WORK--INSTALLATION And DRIVERS

HEATING, VENTILATION, AIR-CONDITIONING, & REFRIGERATION SYSTEMS--INSTALLATION, SERVICE & REPAIR, SHOP, YARD & DRIVERS

ROOFING--ALL KINDS And DRIVERS

CONTRACTOR--PROJECT MANAGER, CONSTRUCTION EXECUTIVE, CONSTRUCTION MANAGER OR CONSTRUCTION SUPERINTENDENT

CLEANER--DEBRIS REMOVAL--CONSTRUCTION

CARPENTRY--CONSTRUCTION OF RESIDENTIAL DWELLINGS NOT EXCEEDING THREE STORIES IN HEIGHT

BUILDING RAISING OR MOVING

SALVAGE OPERATION--NO WRECKING OR ANY STRUCTURAL OPERATIONS

PILE DRIVING

JETTY OR BREAKWATER CONSTRUCTION--ALL OPERATIONS TO COMPLETION And DRIVERS

LEVEE CONSTRUCTION--ALL OPERATIONS TO COMPLETION And DRIVERS

DRILLING NOC And DRIVERS

OIL OR GAS--WELL--CEMENTING And DRIVERS

OIL OR GAS WELL--SPECIALTY TOOL And EQUIPMENT LEASING NOC--ALL EMPLOYEES And DRIVERS

OIL OR GAS WELL--PERFORATING OF CASING--ALL EMPLOYEES And DRIVERS

OIL OR GAS--LEASE WORK NOC--BY SPECIALIST CONTRACTOR And DRIVERS

EXCAVATION And DRIVERS

IRRIGATION OR DRAINAGE SYSTEM CONSTRUCTION And DRIVERS

OIL OR GAS PIPELINE CONSTRUCTION And DRIVERS

OIL OR GAS--WELL--DRILLING OR REDRILLING And DRIVERS

OIL OR GAS WELL--INSTALLATION OR RECOVERY OF CASING And DRIVERS

OIL OR GAS--WELL--INSTRUMENT LOGGING OR SURVEY WORK And DRIVERS

TUNNELING--ALL OPERATIONS

SHAFT SINKING--ALL OPERATIONS

SEWER CONSTRUCTION--ALL OPERATIONS And DRIVERS

GAS MAIN OR CONNECTION CONSTRUCTION And DRIVERS

CONDUIT CONSTRUCTION--FOR CABLES OR WIRES--And DRIVERS

FENCE INSTALLATION AND REPAIR--METAL, VINYL, WOOD, OR PREFABRICATED CONCRETE PANEL FENCE INSTALLED BY HAND

ELECTRIC LIGHT OR POWER LINE CONSTRUCTION And DRIVERS

BURGLAR AND FIRE ALARM INSTALLATION OR REPAIR And DRIVERS

RAILROAD CONST--LAYING OR RELAYING OF TRACKS OR MAINT. OF WAY BY CONTRACTOR--NO WORK ON ELEVATED RAILROADS & DRIVERS

CONSTRUCTION OR ERECTION PERMANENT YARD

MOBILE CRANE AND HOISTING SERVICE CONTRACTORS--NOC--ALL OPERATIONS--And DRIVERS

SIGN INSTALLATION, MAINTENANCE, REPAIR, REMOVAL, OR REPLACEMENT NOC--AWAY FROM SHOP And DRIVERS

6000 Class Code
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