Workers' Comp Rates for Masonry NOC (Class Code 5022)
Last verified: 2026-06-03 · Reviewed against NCCI and state rating-bureau filings — how we verify
Description
Covers masons performing bricklaying, stone setting, and block work on construction projects.
Common Businesses
Hazard Group
F
Filed Figures Published
2
states · class percentile 96
Filed Figures for Class Code 5022 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 5022 has a class percentile of 96 (0 = the cheapest class, 100 = the most expensive) across the 2 filings that list it.
How States Rank for Class Code 5022
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 | $6.360 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 | $13.174 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 5022 with your own rate, payroll and experience mod.
Related Class Codes
About Class Code 5022: Scope, Inclusions, and Common Misclassifications
NCCI Class Code 5022 — "Masonry NOC" (Not Otherwise Classified) — is the workers' compensation classification for masonry contractors who lay brick, block, and stone. It is the catch-all masonry code that applies when the work isn't picked up by a more specific construction classification, and it covers masonry on residential, commercial, and industrial projects using materials such as brick, concrete block, stone, marble, glass block, brick veneer, and cement. Typical 5022 operations include building exterior walls, fireplaces and chimneys, interior fireproof tile partitions, and the installation of gypsum block, plus caulking, exterior stucco and plastering, boiler brickwork, brick cleaning, tuckpointing not associated with another construction classification, waterproofing of building exteriors by trowel, and masonry done in connection with building moving or raising.
5022 sits in NCCI hazard group F — a high-hazard construction trade — because masons work at height on scaffolding, lift and set heavy units repeatedly, and are exposed to fall, struck-by, and repetitive-strain injury. This page shows filed 5022 figures for the states that publish them and ranks the other states with a relative cost index, so a brick, block, or stone contractor can see where its state sits before requesting a quote; neither the filed figures nor the index is a binding quote.
What's Included Under Class Code 5022
5022 contemplates masonry construction with brick, concrete block, stone, marble, glass block, brick veneer, and cement, on residential, commercial, or industrial structures. Structures commonly built under the code include exterior building walls, fireplaces and chimneys, and interior fireproof tile partitions. The scope also reaches the installation of gypsum blocks or bricks, caulking, exterior plastering or stucco work, boiler brickwork, brick cleaning, masonry repair and the relining of blast furnaces, erection of mausoleums and masonry or tile silos, waterproofing of building exteriors by trowel, tuckpointing not tied to another construction classification, and masonry operations performed in connection with moving or raising a building.
As with every contractor code, 5022 is assigned from the operations actually performed during the policy year rather than from the contractor's license type, and it is the governing classification for a dedicated masonry operation. Because hazard group F carries an elevated base rate, the experience modification factor and a documented fall-protection and material-handling program are the main levers a mason has against the rate.
5022 vs Concrete, Plastering, and Tile — Where Masonry Ends
The boundaries that trip up masonry payroll involve adjacent trades that look like masonry but rate elsewhere. Building the forms and pouring the concrete — footings, foundations, slabs, curbs, and sidewalks — is concrete construction, not masonry, and rates to 5213 Concrete Construction NOC rather than 5022. Interior plastering, the lacing of wood or metal lath or wire mesh, and ceramic tile, indoor stone, marble, or mosaic work are also excluded from 5022 and carry their own classifications. Commercial chimney construction and the setting of cemetery monuments are likewise separated out.
The practical rule is that 5022 is the unit-masonry trade — setting brick, block, and stone with mortar — while the forming-and-pouring of concrete and the interior finish trades (plaster, lath, tile) are different exposures with different codes. A contractor whose crews do both unit masonry and concrete forming should track payroll by operation so each duty maps to its correct classification; an audit that finds concrete forming, workers comp code 5221 flatwork, or interior tile reported under 5022 will reclassify it.
Audit Records for 5022 Masonry
The audit file that supports a 5022 assignment shows that the work is unit masonry — brick, block, and stone set with mortar — and separates any concrete forming-and-pouring, plastering, lath, or tile work that belongs in another code. Keep job descriptions and contracts identifying the masonry scope, payroll detail by employee and operation, and certificates of insurance for any subcontracted concrete or finish work so it isn't swept into the masonry payroll. Where a crew splits its time between masonry and a separately rated trade, divide payroll by the records rather than defaulting the whole crew to 5022.
For quote shoppers, the figures on this page — filed figures from the states that publish them and a relative cost index for the rest — are a benchmark, not a binding quote: the final premium still moves with payroll, the carrier's loss-cost multiplier, the employer's experience modification factor, schedule credits, minimum premium, and any reclassification. Independent-bureau states — California (WCIRB), Pennsylvania (PCRB), Delaware (DCRB), New Jersey (NJCRIB), Michigan (CAOM), and North Carolina (NCRB) — publish their own masonry phraseology and rates and may use a different code number than the national 5022, so an operator in one of those states should confirm the local classification rather than rely on a single national figure.
Frequently Asked Questions
- What is workers' comp class code 5022?
- Class code 5022 is NCCI's "Masonry NOC" classification — the not-otherwise-classified code for masonry contractors who lay brick, concrete block, and stone using mortar. It covers exterior walls, fireplaces and chimneys, brick veneer, tuckpointing, exterior stucco, and waterproofing by trowel on residential, commercial, and industrial projects. It is a hazard-group-F construction code, reflecting fall and material-handling exposure.
- How much is workers' comp insurance for class code 5022?
- It depends on the state, and only some states publish a per-class figure. For class code 5022, the filed figures per $100 of payroll are: Wisconsin $6.360 (rate, WCRB, effective 2026-10-01); New York $13.174 (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 5022?
- Class code 5022 typically applies to Brick masons, Stone contractors, Block layers, Masonry restoration firms, Chimney builders.
- What work is excluded from class code 5022?
- Concrete construction — building forms and pouring footings, foundations, slabs, curbs, and sidewalks — is excluded and rates to code 5213 instead. Interior plastering, the lacing of wood or metal lath or wire mesh, ceramic tile, and indoor stone, marble, or mosaic work are also excluded, as are commercial chimney construction and cemetery monument setting. A contractor whose crews do both masonry and these adjacent trades should track payroll by operation so each is classified correctly.
- Why is masonry class code 5022 expensive?
- 5022 sits in NCCI hazard group F, a high-hazard construction band, because masons work at height on scaffolding, repeatedly lift and set heavy brick, block, and stone, and face fall, struck-by, and repetitive-strain injuries. That puts the base rate well above light-construction and clerical codes. The largest lever a masonry contractor controls is the experience modification factor — a clean loss history and a documented fall-protection and material-handling program can meaningfully reduce premium even though the base rate stays elevated.