Workers' Comp Rates for Furniture or Fixtures Installation - Portable NOC (Class Code 5146)
Last verified: 2026-06-02 · Reviewed against NCCI and state rating-bureau filings — how we verify
Description
Covers portable furniture or fixture installation in offices, stores, and similar locations, including modular partitions, workstations, showcases, counters, and small metal bins when no more specific class applies.
Common Businesses
Hazard Group
D
Filed Figures Published
1
state · class percentile 89
Filed Figures for Class Code 5146 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 5146 has a class percentile of 89 (0 = the cheapest class, 100 = the most expensive) across the 1 filing that list it.
How States Rank for Class Code 5146
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 | $5.502 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 | — | 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 5146 with your own rate, payroll and experience mod.
Related Class Codes
About Class Code 5146: Scope, Inclusions, and Common Misclassifications
NCCI Class Code 5146 — "Furniture or Fixtures Installation — Portable — NOC" — is the workers' compensation classification for contractors who assemble and install freestanding, portable furniture and fixtures at the customer's location. It covers the installation of modular workstations and office systems, partitions, shelving, lockers, filing equipment, showcases, stock bins, theater seats, restaurant furniture, bulletin and chalk or cork boards, and similar pieces that are set in place rather than permanently built into the structure. The defining test is portability: 5146 applies when the item is delivered essentially finished and assembled or set on site, not constructed as part of the building.
The work is assembly-driven. Manufactured parts arrive completely finished except for assembly, and crews put them together with screws, nuts and bolts, or similar fasteners using simple hand tools or hand-held power tools. A minor amount of carpentry or sheet-metal work to adapt a piece to the site stays within 5146, but when installation requires electrical or plumbing work those operations are separately classified — electrical to Code 5190 and plumbing to Code 5183. This page shows filed 5146 figures for the states that publish them and ranks the other states with a relative cost index, so an installation contractor can see where its state sits before requesting a quote, and explains where the boundary against built-in carpentry falls.
What's Included Under Class Code 5146
5146 contemplates the on-site assembly and installation of portable furniture and fixtures that are received from the manufacturer in finished form. Typical operations include erecting modular office workstations and demountable partitions, installing shelving and storage systems, setting lockers and stock bins, placing showcases and store fixtures, and installing theater or restaurant seating. The classification anticipates the simple fastening of pre-finished components and the incidental carpentry or sheet-metal trimming needed to fit a piece to a specific space.
Because the items are portable, the exposure is materially lower than structural carpentry — the hazard is handling, lifting, and working from ladders or lifts rather than framing or erecting a building. That keeps 5146 below the heavy construction codes on the rate scale, though it sits above clerical and light-retail codes. As with all contractor classes, 5146 is assigned from the operations actually performed during the policy year, not from the business name, and payroll for separately classified electrical or plumbing work must be reported under its own code.
When Installation Is NOT Coded 5146
The most common boundary dispute is portable versus built-in. Cabinetry, casework, and fixtures that are permanently fastened into or constructed as part of the building — built-in kitchen cabinets, fixed millwork, store fixtures framed and attached on site — are interior carpentry, not 5146, and rate to the applicable carpentry classification. The 5146 test is whether the finished item is set in place and could be removed and relocated, versus whether it is constructed into the structure.
Two operations break out of 5146 even on a portable-fixture job: electrical hookups go to Code 5190 and plumbing connections go to Code 5183, each separately rated. Independent-bureau states matter here too — California (WCIRB), Pennsylvania (PCRB), Delaware (DCRB), New Jersey (NJCRIB), Michigan (CAOM), and North Carolina (NCRB) maintain their own rating systems and may assign portable-fixture installation to a different code number or phraseology than NCCI's 5146, so a contractor in those states should confirm classification with the state bureau rather than relying on the national number.
Sources
- GeneralLiabilityInsure — NCCI Class Code 5146 Fixtures or Furniture Installation — Portable — NOC (scope, assembly operations, separately-rated electrical/plumbing) (retrieved 2026-06-02)
- Class Codes — Workers Compensation Code 5146 Furniture or Fixtures Installation — Portable — NOC (portable-fixture phraseology and examples) (retrieved 2026-06-02)
Frequently Asked Questions
- What is workers' comp class code 5146?
- Class code 5146 is "Furniture or Fixtures Installation — Portable — NOC," the NCCI classification for contractors who assemble and install freestanding, portable furniture and fixtures at the customer's site — modular workstations, partitions, shelving, lockers, showcases, theater and restaurant seating, and similar pieces. The items arrive finished and are fastened together with hand or hand-held power tools. It is a moderate-hazard code, below structural carpentry but above clerical and retail codes.
- How much is workers' comp insurance for class code 5146?
- It depends on the state, and only some states publish a per-class figure. For class code 5146, the filed figures per $100 of payroll are: Wisconsin $5.502 (rate, WCRB, 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 5146?
- Class code 5146 typically applies to Office furniture installers, Modular workstation installers, Retail fixture installers, Showcase installation contractors, Portable partition installers.
- What's the difference between code 5146 and carpentry?
- 5146 covers portable furniture and fixtures that are set in place and could be removed or relocated. Built-in cabinetry, casework, and millwork that is permanently fastened into or constructed as part of the building is interior carpentry instead and rates to the applicable carpentry code. The test is portability: if the item is delivered finished and set on site it is 5146; if it is constructed into the structure it is carpentry.
- Does code 5146 include electrical and plumbing work?
- No. When a portable-fixture installation requires electrical or plumbing work, those operations are separately classified — electrical to Code 5190 and plumbing to Code 5183 — and their payroll is reported under those codes rather than under 5146. Minor carpentry or sheet-metal trimming to adapt a piece to the site stays within 5146, but trade work like wiring and piping breaks out and is rated on its own.
Get a Workers' Comp Quote
Compare rates for Furniture or Fixtures Installation - Portable NOC from top-rated carriers.
Get Quote