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
National Avg Rate
$11.25
per $100 payroll
Most Expensive States
- New York$15.23
- Alaska$14.91
- California$14.18
Rates by State for Class Code 5022
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 | $8.19 | -3.06 | 2026-01-01 |
| Texas | $8.28 | -2.97 | 2026-07-01 |
| Virginia | $8.72 | -2.53 | 2026-04-01 |
| Utah | $8.92 | -2.33 | 2026-02-01 |
| Arkansas | $9.24 | -2.01 | 2026-07-01 |
| Colorado | $9.35 | -1.90 | 2026-01-01 |
| Tennessee | $9.56 | -1.69 | 2026-03-01 |
| Arizona | $9.66 | -1.59 | 2026-01-01 |
| South Dakota | $9.77 | -1.48 | 2026-07-01 |
| Nebraska | $9.87 | -1.38 | 2026-02-01 |
| North Carolina | $9.87 | -1.38 | 2026-04-01 |
| Idaho | $9.98 | -1.27 | 2026-01-01 |
| Kansas | $10.08 | -1.17 | 2026-01-01 |
| Mississippi | $10.19 | -1.06 | 2026-03-01 |
| New Mexico | $10.29 | -0.96 | 2026-01-01 |
| South Carolina | $10.40 | -0.85 | 2026-04-01 |
| Kentucky | $10.50 | -0.75 | 2026-01-01 |
| Iowa | $10.71 | -0.54 | 2026-01-01 |
| Missouri | $10.82 | -0.43 | 2026-01-01 |
| Nevada | $10.92 | -0.33 | 2026-03-01 |
| Georgia | $11.03 | -0.22 | 2026-03-01 |
| Maryland | $11.03 | -0.22 | 2026-01-01 |
| Oregon | $11.13 | -0.12 | 2026-01-01 |
| West Virginia | $11.24 | -0.01 | 2026-01-01 |
| Alabama | $11.34 | +0.09 | 2026-03-01 |
| Minnesota | $11.34 | +0.09 | 2026-01-01 |
| New Hampshire | $11.34 | +0.09 | 2026-01-01 |
| Delaware | $11.55 | +0.30 | 2025-12-01 |
| Maine | $11.55 | +0.30 | 2025-04-01 |
| Wisconsin | $11.55 | +0.30 | 2025-10-01 |
| Michigan | $11.76 | +0.51 | 2026-01-01 |
| Vermont | $11.76 | +0.51 | 2026-04-01 |
| Rhode Island | $11.97 | +0.72 | 2026-08-01 |
| Florida | $12.08 | +0.83 | 2026-01-01 |
| Montana | $12.08 | +0.83 | 2026-07-01 |
| District of Columbia | $12.39 | +1.14 | 2026-01-01 |
| Massachusetts | $12.39 | +1.14 | 2024-07-01 |
| Oklahoma | $12.39 | +1.14 | 2026-01-01 |
| Illinois | $12.60 | +1.35 | 2026-01-01 |
| Connecticut | $12.81 | +1.56 | 2026-01-01 |
| Louisiana | $13.13 | +1.88 | 2026-05-01 |
| Hawaii | $13.44 | +2.19 | 2026-01-01 |
| Pennsylvania | $13.44 | +2.19 | 2026-04-01 |
| New Jersey | $13.65 | +2.40 | 2026-01-01 |
| California | $14.18 | +2.93 | 2025-09-01 |
| Alaska | $14.91 | +3.66 | 2026-01-01 |
| New York | $15.23 | +3.98 | 2025-10-01 |
How Class Code 5022 Rates Are Spread Across the States
Across 47 states, the estimated workers' comp rate for NCCI class code 5022 (Masonry NOC) ranges from $8.19 to $15.23 per $100 of payroll, with a national average of $11.25 and a median of $11.24. 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 a modeled benchmark (NCCI base-rate catalogue × state rate multiplier, catalogue retrieved 2026-06-03) and are not reconciled to filed state loss costs — see the calibration measurement and our rate disclaimer.
View the rate distribution as a data table
| Rate range / $100 | States | Which states |
|---|---|---|
| $8.19–$9.07 | 4 | Indiana, Texas, Virginia, Utah |
| $9.07–$9.95 | 7 | Arkansas, Colorado, Tennessee, Arizona, South Dakota, Nebraska, North Carolina |
| $9.95–$10.83 | 8 | Idaho, Kansas, Mississippi, New Mexico, South Carolina, Kentucky, Iowa, Missouri |
| $10.83–$11.71 | 11 | Nevada, Georgia, Maryland, Oregon, West Virginia, Alabama, Minnesota, New Hampshire, Delaware, Maine, Wisconsin |
| $11.71–$12.59 | 8 | Michigan, Vermont, Rhode Island, Florida, Montana, District of Columbia, Massachusetts, Oklahoma |
| $12.59–$13.47 | 5 | Illinois, Connecticut, Louisiana, Hawaii, Pennsylvania |
| $13.47–$14.35 | 2 | New Jersey, California |
| $14.35–$15.23 | 2 | Alaska, New York |
| Summary | 47 | Min $8.19 · Median $11.24 · Avg $11.25 · Max $15.23 |
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 5022 with your own 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 compares filed base-rate estimates for 5022 across states so a brick, block, or stone contractor can see the spread before requesting a quote; the figure shown is an illustrative benchmark built from published loss-cost filings, not 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 rate table on this page is a benchmark, not a binding quote: the filed base-rate estimate 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?
- The national average rate for class code 5022 is $11.25 per $100 of payroll, across the 47 jurisdictions rated on that basis. Cheapest states: Indiana ($8.19), Texas ($8.28), Virginia ($8.72). Most expensive: New York ($15.23), Alaska ($14.91), California ($14.18). 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 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.