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

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