Workers' Compensation Insurance for Construction

Covers general carpentry work not otherwise classified, including commercial and multi-unit building carpentry, wood structure work, remodeling, and repair when no more specific carpentry class applies. Detached one- or two-family dwelling carpentry belongs under 5645; cabinet and interior trim installation belongs under 5437.

Covers electricians performing wiring, installation, and repair work within building structures.

Covers HVAC technicians installing, repairing, and maintaining heating and cooling systems.

NCCI Class Code 5645 covers carpentry work on detached one- or two-family dwellings, including framing, siding, windows, doors, decks, fencing, and residential garages built with the dwelling. General carpentry NOC (commercial, multi-story) is rated under 5403; cabinet and interior-trim installation is 5437.

Covers masons performing bricklaying, stone setting, and block work on construction projects.

Covers employees involved in concrete construction including forming, pouring, and finishing.

Covers specialist contractors installing cabinet work, interior trim, finished woodwork, and similar finish carpentry when they do not perform other carpentry operations at the same job or location.

Covers painting contractors performing interior or exterior painting, decorating, surface preparation, incidental shop operations, and related drivers when no more specific painting or construction class applies.

Covers plumbers performing pipe installation, repair, and maintenance in residential and commercial settings.

Covers workers performing concrete flatwork including driveways, sidewalks, patios, and floors.

Covers all employees of roofing companies including helpers, laborers, and skilled roofers.

Covers plasterers performing stucco, drywall finishing, and ornamental plaster work.

Covers excavation contractors performing earthmoving, grading, trenching, and site preparation.

Covers employees installing and maintaining irrigation systems for agricultural and landscape use.

Covers employees constructing, remodeling, and repairing in-ground and above-ground swimming pools.

Covers tile setters installing ceramic, porcelain, marble, and mosaic tiles in buildings.

Covers commercial plumbing employees installing and servicing plumbing in commercial buildings.

Covers sheet metal workers fabricating and installing HVAC ductwork and related components.

Covers ironworkers erecting structural steel for buildings, bridges, and other structures.

Covers miscellaneous iron and steel erection work not otherwise classified.

Covers workers engaged in the installation of ceilings, including suspended ceiling systems and drywall ceilings.

Covers masons working with natural and manufactured stone for construction of walls, facades, and other structures.

Covers workers installing or repairing tile roofing systems including clay, concrete, and slate tiles.

Covers workers erecting structural iron or steel frames for buildings and other structures.

Covers iron and steel work not otherwise classified, including miscellaneous fabrication and installation tasks.

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.

Covers workers engaged in the installation, maintenance, and repair of elevators, escalators, and moving walkways.

Covers workers installing automatic fire sprinkler systems in commercial and residential buildings.

Covers electricians installing and servicing alarm and security system wiring.

Covers workers engaged in the manufacturing of concrete blocks, bricks, and precast concrete products.

Covers workers performing general concrete construction work including forming, pouring, and finishing.

Covers workers specializing in concrete and cement floor installation, finishing, and polishing.

Covers finish carpenters working on detached one- and two-family dwellings, including trim, molding, and door installation.

Covers workers installing metal or wood lath as a base for plaster, stucco, or other wall finishes.

Covers glaziers installing glass in windows, doors, skylights, and storefronts in commercial and residential settings.

Covers workers engaged in asphalt paving for roads, driveways, parking lots, and other surfaces.

Covers workers installing thermal, acoustic, and fire-resistant insulation in buildings and industrial facilities.

Covers workers engaged in the construction and reconstruction of streets, roads, and highways.

Covers workers performing land clearing and grading operations in preparation for road and street construction.

Covers workers installing fireproof masonry materials including fire-rated brick, block, and mortar systems.

Covers workers specializing in decorative masonry including stone veneer, decorative block, and ornamental brickwork.

Covers workers fabricating and installing iron doors, gates, fences, and security barriers.

Covers workers installing aluminum siding, trim, gutters, and architectural aluminum components.

Covers workers fabricating and installing ornamental iron and steel including railings, staircases, and decorative metalwork.

Covers workers installing doors, windows, and related hardware in residential and commercial buildings.

Covers workers installing exterior siding materials including vinyl, fiber cement, wood, and composite siding.

Covers workers installing heating equipment including furnaces, boilers, radiators, and heat pumps.

Covers workers performing interior electrical installation including wiring, outlets, panels, and lighting fixtures.

Covers workers manufacturing and installing custom cabinetry for kitchens, bathrooms, and commercial spaces.

Covers workers performing drilling operations not otherwise classified including water well drilling and geotechnical boring.

Covers workers performing elevator and escalator service, maintenance, repair, and modernization.

Covers workers constructing and repairing water mains, distribution lines, and related underground utilities.

Covers workers installing complete heating systems including ductwork, piping, controls, and ventilation components.

Covers workers installing wiring for fire detection and alarm systems in commercial and residential buildings.

Covers workers performing poured concrete work not otherwise classified including foundations, walls, and structural elements.

Covers carpenters specializing in the installation of prefabricated cabinets, countertops, and built-in storage.

Covers carpenters working on detached one and two family dwellings including framing, trim, and general carpentry.

Covers away-from-shop sign installation, maintenance, repair, removal, or replacement NOC, including billboard sign work; shop operations are separately rated.