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
National Avg Rate
$10.44
per $100 payroll
Most Expensive States
- New York$14.14
- Alaska$13.85
- California$13.16
Rates by State for Class Code 5213
47 jurisdictions rate this code per $100 of payroll. 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 | Rate per $100 | vs. National Avg | Effective |
|---|---|---|---|
| Indiana | $7.61 | -2.83 | 2026-01-01 |
| Texas | $7.69 | -2.75 | 2026-07-01 |
| Virginia | $8.09 | -2.35 | 2026-04-01 |
| Utah | $8.29 | -2.15 | 2026-02-01 |
| Arkansas | $8.58 | -1.86 | 2026-07-01 |
| Colorado | $8.68 | -1.76 | 2026-01-01 |
| Tennessee | $8.87 | -1.57 | 2026-03-01 |
| Arizona | $8.97 | -1.47 | 2026-01-01 |
| South Dakota | $9.07 | -1.37 | 2026-07-01 |
| Nebraska | $9.16 | -1.28 | 2026-02-01 |
| North Carolina | $9.16 | -1.28 | 2026-04-01 |
| Idaho | $9.26 | -1.18 | 2026-01-01 |
| Kansas | $9.36 | -1.08 | 2026-01-01 |
| Mississippi | $9.46 | -0.98 | 2026-03-01 |
| New Mexico | $9.56 | -0.88 | 2026-01-01 |
| South Carolina | $9.65 | -0.79 | 2025-04-01 |
| Kentucky | $9.75 | -0.69 | 2026-01-01 |
| Iowa | $9.95 | -0.49 | 2026-01-01 |
| Missouri | $10.04 | -0.40 | 2026-01-01 |
| Nevada | $10.14 | -0.30 | 2026-03-01 |
| Georgia | $10.24 | -0.20 | 2026-03-01 |
| Maryland | $10.24 | -0.20 | 2026-01-01 |
| Oregon | $10.34 | -0.10 | 2026-01-01 |
| West Virginia | $10.43 | -0.01 | 2026-01-01 |
| Alabama | $10.53 | +0.09 | 2026-03-01 |
| Minnesota | $10.53 | +0.09 | 2026-01-01 |
| New Hampshire | $10.53 | +0.09 | 2026-01-01 |
| Delaware | $10.73 | +0.29 | 2025-12-01 |
| Maine | $10.73 | +0.29 | 2025-04-01 |
| Wisconsin | $10.73 | +0.29 | 2025-10-01 |
| Michigan | $10.92 | +0.48 | 2026-01-01 |
| Vermont | $10.92 | +0.48 | 2026-04-01 |
| Rhode Island | $11.11 | +0.67 | 2026-08-01 |
| Florida | $11.21 | +0.77 | 2026-01-01 |
| Montana | $11.21 | +0.77 | 2026-07-01 |
| District of Columbia | $11.51 | +1.07 | 2026-01-01 |
| Massachusetts | $11.51 | +1.07 | 2024-07-01 |
| Oklahoma | $11.51 | +1.07 | 2026-01-01 |
| Illinois | $11.70 | +1.26 | 2026-01-01 |
| Connecticut | $11.90 | +1.46 | 2026-01-01 |
| Louisiana | $12.19 | +1.75 | 2026-05-01 |
| Hawaii | $12.48 | +2.04 | 2026-01-01 |
| Pennsylvania | $12.48 | +2.04 | 2026-04-01 |
| New Jersey | $12.68 | +2.24 | 2026-01-01 |
| California | $13.16 | +2.72 | 2025-09-01 |
| Alaska | $13.85 | +3.41 | 2026-01-01 |
| New York | $14.14 | +3.70 | 2025-10-01 |
How Class Code 5213 Rates Are Spread Across the States
Across 47 states, the estimated workers' comp rate for NCCI class code 5213 (Concrete Construction NOC) ranges from $7.61 to $14.14 per $100 of payroll, with a national average of $10.44 and a median of $10.43. Each bar counts the states whose estimated rate falls in that range — shaded cheaper (green) to pricier (red). The dashed line marks the national average.
Distribution across 47 states. Rates are illustrative estimates (NCCI base rate × state rate multiplier) derived from published NCCI loss costs and state rating-bureau filings (retrieved 2026-07-11). They are estimates, not quotes — see our rate disclaimer.
View the rate distribution as a data table
| Rate range / $100 | States | Which states |
|---|---|---|
| $7.61–$8.43 | 4 | Indiana, Texas, Virginia, Utah |
| $8.43–$9.24 | 7 | Arkansas, Colorado, Tennessee, Arizona, South Dakota, Nebraska, North Carolina |
| $9.24–$10.06 | 8 | Idaho, Kansas, Mississippi, New Mexico, South Carolina, Kentucky, Iowa, Missouri |
| $10.06–$10.88 | 11 | Nevada, Georgia, Maryland, Oregon, West Virginia, Alabama, Minnesota, New Hampshire, Delaware, Maine, Wisconsin |
| $10.88–$11.69 | 8 | Michigan, Vermont, Rhode Island, Florida, Montana, District of Columbia, Massachusetts, Oklahoma |
| $11.69–$12.51 | 5 | Illinois, Connecticut, Louisiana, Hawaii, Pennsylvania |
| $12.51–$13.32 | 2 | New Jersey, California |
| $13.32–$14.14 | 2 | Alaska, New York |
| Summary | 47 | Min $7.61 · Median $10.43 · Avg $10.44 · Max $14.14 |
The rates above are manual rates — step 1 of the eight-step rating-bureau premium algorithm. See what your carrier applies after that, or estimate premium for code 5213 with your own 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.
As of July 11, 2026, this site's modeled 5213 base-rate table averages $10.41 per $100 of payroll across 51 jurisdictions, ranging from about $7.61 in Indiana to about $14.14 in New York before carrier loss-cost multipliers, payroll, and experience modification. Those are filing-based benchmarks for comparing structural-concrete exposure by state, not binding quotes.
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.
5213 Workers' Comp Rate Range by State (2026)
For a concrete contractor shopping coverage in 2026, the useful comparison is the state spread. Using the site's published base-rate model for class code 5213, the low end clusters around Indiana ($7.61 per $100 of payroll), Texas ($7.99), Virginia ($8.09), Utah ($8.29), Arkansas ($8.58), and Colorado ($8.68). The high end is New York ($14.14), Alaska ($13.85), California ($13.16), New Jersey ($12.68), Pennsylvania ($12.48), and Hawaii ($12.48).
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 table on this page is a benchmark, 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?
- The national average rate for class code 5213 is $10.44 per $100 of payroll, across the 47 jurisdictions rated on that basis. Cheapest states: Indiana ($7.61), Texas ($7.69), Virginia ($8.09). Most expensive: New York ($14.14), Alaska ($13.85), California ($13.16). Actual premium depends on your state, payroll, experience modifier, and carrier. 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. As of July 11, 2026, this site's filing-based table averages $10.41 per $100 of payroll across 51 jurisdictions, from about $7.61 in Indiana to about $14.14 in New York. 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. This site's modeled Ohio benchmark for 5213 is about $9.95 per $100 of payroll, 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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