Workers' Comp Rates for Swimming Pool Construction (Class Code 5223)
Description
Covers employees constructing, remodeling, and repairing in-ground and above-ground swimming pools.
Common Businesses
Pool buildersPool remodeling companiesSpa construction firmsAquatic facility buildersPool plaster companies
Hazard Group
F
National Avg Rate
$9.91
per $100 payroll
Most Expensive States
- New York$13.41
- Alaska$13.14
- California$12.49
Rates by State for Class Code 5223
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 | $7.22 | -2.69 | 2026-01-01 |
| Texas | $7.30 | -2.61 | 2026-07-01 |
| Virginia | $7.68 | -2.23 | 2026-04-01 |
| Utah | $7.86 | -2.05 | 2026-02-01 |
| Arkansas | $8.14 | -1.77 | 2026-07-01 |
| Colorado | $8.23 | -1.68 | 2026-01-01 |
| Tennessee | $8.42 | -1.49 | 2026-03-01 |
| Arizona | $8.51 | -1.40 | 2026-01-01 |
| South Dakota | $8.60 | -1.31 | 2026-07-01 |
| Nebraska | $8.70 | -1.21 | 2026-02-01 |
| North Carolina | $8.70 | -1.21 | 2026-04-01 |
| Idaho | $8.79 | -1.12 | 2026-01-01 |
| Kansas | $8.88 | -1.03 | 2026-01-01 |
| Mississippi | $8.97 | -0.94 | 2026-03-01 |
| New Mexico | $9.07 | -0.84 | 2026-01-01 |
| South Carolina | $9.16 | -0.75 | 2026-04-01 |
| Kentucky | $9.25 | -0.66 | 2026-01-01 |
| Iowa | $9.44 | -0.47 | 2026-01-01 |
| Missouri | $9.53 | -0.38 | 2026-01-01 |
| Nevada | $9.62 | -0.29 | 2026-03-01 |
| Georgia | $9.71 | -0.20 | 2026-03-01 |
| Maryland | $9.71 | -0.20 | 2026-01-01 |
| Oregon | $9.81 | -0.10 | 2026-01-01 |
| West Virginia | $9.90 | -0.01 | 2026-01-01 |
| Alabama | $9.99 | +0.08 | 2026-03-01 |
| Minnesota | $9.99 | +0.08 | 2026-01-01 |
| New Hampshire | $9.99 | +0.08 | 2026-01-01 |
| Delaware | $10.18 | +0.27 | 2025-12-01 |
| Maine | $10.18 | +0.27 | 2025-04-01 |
| Wisconsin | $10.18 | +0.27 | 2025-10-01 |
| Michigan | $10.36 | +0.45 | 2026-01-01 |
| Vermont | $10.36 | +0.45 | 2026-04-01 |
| Rhode Island | $10.55 | +0.64 | 2026-08-01 |
| Florida | $10.64 | +0.73 | 2026-01-01 |
| Montana | $10.64 | +0.73 | 2026-07-01 |
| District of Columbia | $10.92 | +1.01 | 2026-01-01 |
| Massachusetts | $10.92 | +1.01 | 2024-07-01 |
| Oklahoma | $10.92 | +1.01 | 2026-01-01 |
| Illinois | $11.10 | +1.19 | 2026-01-01 |
| Connecticut | $11.29 | +1.38 | 2026-01-01 |
| Louisiana | $11.56 | +1.65 | 2026-05-01 |
| Hawaii | $11.84 | +1.93 | 2026-01-01 |
| Pennsylvania | $11.84 | +1.93 | 2026-04-01 |
| New Jersey | $12.03 | +2.12 | 2026-01-01 |
| California | $12.49 | +2.58 | 2025-09-01 |
| Alaska | $13.14 | +3.23 | 2026-01-01 |
| New York | $13.41 | +3.50 | 2025-10-01 |
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 5223 with your own payroll and experience mod.
Related Class Codes
Frequently Asked Questions
- What is workers' comp class code 5223?
- Class code 5223 (Swimming Pool Construction) is an NCCI workers' compensation classification in the Construction industry group. Covers employees constructing, remodeling, and repairing in-ground and above-ground swimming pools. Hazard group: F.
- How much is workers' comp insurance for class code 5223?
- The national average rate for class code 5223 is $9.91 per $100 of payroll, across the 47 jurisdictions rated on that basis. Cheapest states: Indiana ($7.22), Texas ($7.30), Virginia ($7.68). Most expensive: New York ($13.41), Alaska ($13.14), California ($12.49). 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 5223?
- Class code 5223 typically applies to Pool builders, Pool remodeling companies, Spa construction firms, Aquatic facility builders, Pool plaster companies.
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