Workers' Comp Rates for Concrete Construction NOC (Class Code 5213)
Last verified: 2026-07-11 · Reviewed against NCCI and state rating-bureau filings — how we verify
Description
Covers employees involved in concrete construction including forming, pouring, and finishing.
Common Businesses
Hazard Group
F
Filed Figures Published
2
states · class percentile 87
Filed Figures for Class Code 5213 in the States That Publish Them
Copied from each state's own regulator or rating bureau filing, per $100 of payroll. A loss cost is what the filing calls it — your insurer multiplies it by its own loss cost multiplier; a rate is a manual rate. States not listed publish no per-class figure this site has transcribed.
Judged only from filed tables, code 5213 has a class percentile of 87 (0 = the cheapest class, 100 = the most expensive) across the 2 filings that list it.
How States Rank for Class Code 5213
Cost index 1.00 = the median of the 47 rated states. It is a relative position from this site’s model, not a price, and it does not vary by class code; a state’s filed figure, where it publishes one, is shown beside it. North Dakota, Ohio, Washington and Wyoming are not included. Each is a monopolistic state fund that sets premium on its own basis rather than on an NCCI class-code rate per $100 of payroll, so there is no comparable figure to average or rank.
| State | Cost index | Filed figure | Filing effective |
|---|---|---|---|
| Indiana | 0.73 | — | 2026-01-01 |
| Texas | 0.74 | — | 2026-07-01 |
| Virginia | 0.78 | — | 2026-04-01 |
| Utah | 0.79 | — | 2026-02-01 |
| Arkansas | 0.82 | — | 2026-07-01 |
| Colorado | 0.83 | — | 2026-01-01 |
| South Dakota | 0.83 | — | 2026-07-01 |
| Arizona | 0.86 | — | 2026-01-01 |
| Nebraska | 0.88 | — | 2026-02-01 |
| North Carolina | 0.88 | — | 2026-04-01 |
| Idaho | 0.89 | — | 2026-01-01 |
| Tennessee | 0.89 | — | 2026-10-01 |
| Kansas | 0.90 | — | 2026-01-01 |
| Mississippi | 0.91 | — | 2026-03-01 |
| New Mexico | 0.92 | — | 2026-01-01 |
| Kentucky | 0.93 | — | 2026-01-01 |
| South Carolina | 0.93 | — | 2026-04-01 |
| Iowa | 0.95 | — | 2026-01-01 |
| Missouri | 0.96 | — | 2026-01-01 |
| Nevada | 0.97 | — | 2026-03-01 |
| Georgia | 0.98 | — | 2026-03-01 |
| Maryland | 0.98 | — | 2026-01-01 |
| Oregon | 0.99 | — | 2026-01-01 |
| West Virginia | 1.00 | — | 2026-01-01 |
| Alabama | 1.01 | — | 2026-03-01 |
| Minnesota | 1.01 | — | 2026-01-01 |
| New Hampshire | 1.01 | — | 2026-01-01 |
| Wisconsin | 1.01 | $3.933 rate | 2026-10-01 |
| Delaware | 1.03 | — | 2025-12-01 |
| Maine | 1.03 | — | 2025-04-01 |
| Rhode Island | 1.04 | — | 2026-08-01 |
| Michigan | 1.05 | — | 2026-01-01 |
| Vermont | 1.05 | — | 2026-04-01 |
| New York | 1.06 | $16.455 loss cost | 2026-10-01 |
| Florida | 1.07 | — | 2026-01-01 |
| Montana | 1.07 | — | 2026-07-01 |
| District of Columbia | 1.10 | — | 2026-01-01 |
| Massachusetts | 1.10 | — | 2024-07-01 |
| Oklahoma | 1.10 | — | 2026-01-01 |
| Illinois | 1.12 | — | 2026-01-01 |
| Connecticut | 1.14 | — | 2026-01-01 |
| Louisiana | 1.17 | — | 2026-05-01 |
| Hawaii | 1.20 | — | 2026-01-01 |
| Pennsylvania | 1.20 | — | 2026-04-01 |
| New Jersey | 1.21 | — | 2026-01-01 |
| Alaska | 1.33 | — | 2026-01-01 |
| California | 1.34 | — | 2026-09-01 |
A filed rate — or a loss cost times your insurer's multiplier — is step 1 of the eight-step rating-bureau premium algorithm. See what your carrier applies after that, or work out premium for code 5213 with your own rate, payroll and experience mod.
Related Class Codes
About Class Code 5213: Scope, Inclusions, and Common Misclassifications
NCCI Class Code 5213 - officially phrased "Concrete Construction NOC" (not otherwise classified) - is the workers' compensation classification for contractors who build vertical and structural concrete: foundations, self-bearing floors, walls, piers, columns, silos, grain elevators, dams, and locks. It is the catch-all concrete-construction code buyers usually mean when they search for "workers comp code 5213" or a concrete-contractor rate, and it applies whenever no more specific concrete classification controls.
This page shows a filed 5213 figure only for the states that publish one and ranks every other state with a relative cost index for comparing structural-concrete exposure by state. Neither is a binding quote: carrier loss-cost multipliers, payroll, and experience modification still change the premium.
What's Included Under Class Code 5213
5213 covers the full sequence of structural concrete work: making and erecting forms, placing reinforcing steel, pouring concrete, and stripping forms, whether done by a general concrete contractor or a specialist. NCCI also assigns pre-cast concrete work, the slip-form method, guniting (except on chimneys, which is 5222), waterproofing by pressure apparatus, cleaning or renovating building exteriors, drilling or cutting of 5213-installed concrete, and the wrecking of buildings that were originally 5213 construction to this same class.
Job-site clean-up and the movement of the contractor's tools, materials, and equipment around the site are included in 5213 when performed by the contractor's own employees. Because 5213 is a hazard-group-F construction code, it carries a materially higher rate than flatwork or finishing codes, so the classification boundary below is where most audit disputes and premium surprises originate.
5213 vs 5221 vs 5222 - The Boundary That Sets the Rate
The single most common 5213 misclassification is confusing structural concrete with flatwork. Ground-supported concrete - floors poured on grade, driveways, yards, sidewalks, curbs, and gutters, plus walls poured flat in forms at ground level - is 5221 Concrete or Cement Work - Floors, Driveways, Yards, or Sidewalks, which is a lower-hazard, lower-rate class. Concrete construction of bridges or culverts (and chimney guniting) rates to 5222. A contractor that pours both foundations and driveways on the same job cannot default everything to the cheaper 5221 code; the governing classification follows the actual operation.
5213 also excludes several adjacent trades that get their own codes: excavation and grading, pile driving, all work done in sewers, tunnels, subways, caissons, or cofferdams, concrete-pumping service operations, and concrete-products manufacturing. If your crews perform any of those, keep the payroll separated so the auditor assigns each operation to the correct class rather than sweeping it into the structural-concrete rate.
How 5213 Compares Across States (2026)
For a concrete contractor shopping coverage in 2026, the useful comparison is the state spread. The state ranking on this page orders the states by a relative cost index (median state = 1.00) and shows a filed 5213 figure only where a state publishes one; the index is a relative position, not a price.
Independent-bureau and monopolistic states can use different class numbers, phraseology, or administered rates for structural concrete work - Ohio and Washington, for example, buy workers' comp through a state fund rather than a private carrier, and California's WCIRB publishes its own "Concrete Construction NOC" advisory. A multi-state concrete contractor should confirm the governing state bureau's classification before treating the national 5213 label as the final rating answer.
Audit Records for Concrete Contractors
The audit file that supports 5213 should show that the payroll belongs to structural concrete construction. Keep contracts, job-cost reports, work orders, and payroll splits that separate foundation, wall, and elevated-slab work (5213) from any flatwork on grade (5221), bridge or culvert work (5222), excavation, pile driving, or concrete-pumping operations. Certificates of insurance for any subcontracted trades protect you from being charged their exposure at your 5213 rate.
For quote shoppers, the figures on this page — filed figures where a state publishes them and a relative cost index elsewhere — are not a binding quote. Final premium changes after the carrier's loss-cost multiplier, payroll, experience modification, schedule credits, minimum premium, subcontractor treatment, and any state-specific classification rule. The cleanest way to defend 5213 - and to avoid being overcharged when the job also included cheaper flatwork - is to document the concrete scope by operation before the policy audit asks for it.
Sources
- WCIRB California - Concrete Construction NOC (California advisory classification phraseology and scope) (retrieved 2026-07-11)
- NYCIRB Classification Digest - Class 5213 Phraseology and Description (New York concrete-construction general information) (retrieved 2026-07-11)
- InsuranceXdate - Class Code 5213 & Rate for Workers Comp (NCCI phraseology, state cross-reference, and 5221/5222 boundary) (retrieved 2026-07-11)
Frequently Asked Questions
- What is workers' comp class code 5213?
- Workers' comp class code 5213 is "Concrete Construction NOC" - the not-otherwise-classified classification for structural and vertical concrete work such as foundations, walls, self-bearing floors, piers, silos, dams, and locks. It includes forming, placing reinforcing steel, pouring, and stripping forms, plus pre-cast and slip-form work, and it applies whenever no more specific concrete code controls.
- How much is workers' comp insurance for class code 5213?
- It depends on the state, and only some states publish a per-class figure. For class code 5213, the filed figures per $100 of payroll are: Wisconsin $3.933 (rate, WCRB, effective 2026-10-01); New York $16.455 (loss cost, NYCIRB, effective 2026-10-01). A loss cost is not a rate — your insurer multiplies it by its own loss cost multiplier — and every figure is before your experience modification. For other states this site shows a relative cost index, not a dollar figure. North Dakota, Ohio, Washington and Wyoming are not included. Each is a monopolistic state fund that sets premium on its own basis rather than on an NCCI class-code rate per $100 of payroll, so there is no comparable figure to average or rank.
- What businesses use workers' comp class code 5213?
- Class code 5213 typically applies to Concrete contractors, Foundation companies, Flatwork contractors, Decorative concrete firms, Ready-mix operations.
- What is the workers comp code 5213 rate?
- There is no single national 5213 rate. This page shows a filed 5213 figure only for the states that publish one and ranks every other state with a relative cost index, which is not a price. A real premium still changes after payroll, carrier loss-cost multiplier, experience modification, schedule credits, minimum premium, and state-specific class rules.
- What is the work comp class code rate for 5213 in Ohio?
- Ohio is a monopolistic state, so 5213 concrete coverage is bought through the Ohio Bureau of Workers' Compensation (BWC) rather than a private carrier, and BWC administers its own base rates. Ohio BWC's own filed base rates are listed on the [Ohio page](/states/ohio/), but the binding figure is the BWC-published rate for your manual classification and experience, so confirm it directly with Ohio BWC.
- What is the difference between class code 5213 and 5221?
- 5213 is structural concrete construction - foundations, walls, piers, and self-bearing (elevated) floors - and sits in a higher hazard group. 5221 is Concrete or Cement Work for floors poured on grade, driveways, yards, sidewalks, curbs, and gutters, plus walls poured flat at ground level, and it carries a lower rate. Ground-supported flatwork is 5221; vertical and self-bearing structural concrete is 5213.
- What records help defend a 5213 concrete classification at audit?
- Keep contracts, job-cost reports, work orders, and payroll detail that separate structural concrete (5213) from flatwork on grade (5221), bridge or culvert work (5222), excavation, pile driving, and concrete pumping. Certificates of insurance for subcontractors prevent their payroll from being charged at your 5213 rate. Splitting operations correctly on the job is far easier than reconstructing them after the auditor asks.
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