Workers' Comp Rate for Office Machine Installation, Inspection, Adjustment, or Repair in New York (Class Code 5191)
Last verified: 2026-06-03
Get a Custom Quote for Office Machine Installation, Inspection, Adjustment, or Repair in New York
Your actual rate depends on payroll, experience mod, and claims history.
Get Your QuoteFiled Figures for Class Code 5191 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.
Where code 5191 sits among all classes, judged only from filed tables: a class percentile of 15 (0 = the cheapest class, 100 = the most expensive) across the 2 filings that list it.
Compare: New York and States with a Similar Cost Index
Cost index 1.00 = the median of the 47 rated states. It is a relative position, not a price, and it does not vary by class code.
Request a Rate Review for Your Business in New York
Base rate estimates don't account for your experience modifier, claims history, underwriting, or carrier-specific adjustments.
Related Class Codes in New York
9014
Janitorial Services - By Contractor
7720
Police Officers and Drivers
7710
Firefighters and Drivers
9410
Municipal, Township, County or State Employees - NOC
4361
Pest Control Services
About Class Code 5191: Scope, Inclusions, and Common Misclassifications
NCCI Class Code 5191 — officially phrased "Office Machine Installation, Inspection, Adjustment, or Repair" — is the workers' compensation classification for businesses that install, service, and repair office machines and computer equipment. It contemplates work on all types of office machines including calculators, computers and computer-related equipment (modems, printers, scanners), copy machines, fax machines, microfilm equipment, postage machines, and point-of-sale or transactional devices such as ATMs, credit-card readers, and electronic cash registers. The classification anticipates that the insured performs work away from its own shop — on the customer's premises as well as in the shop — and it includes the dead-wiring work needed up to the point of plugging the machine into a live circuit, plus disassembling, replacing parts, reassembling, and cleaning the equipment.
5191 sits in hazard group E and carries a service-and-repair exposure built around technicians who travel between customer sites, carry tools and parts, and lift and position equipment. It is frequently confused with electrical-construction codes because both involve some wiring, but 5191 is light field service for office and computer hardware — not the building-wiring work that rates to 5190 Electrical Wiring — Within Buildings. This page shows filed figures for 5191 from the states that publish them and ranks every other state with a relative cost index, so an office-machine, copier, or IT-hardware service company can see how states compare before requesting a quote; neither is a binding quote.
What's Included Under Class Code 5191
NCCI assigns 5191 to the installation, inspection, adjustment, or repair of office machines and computer equipment performed by a service business that does not retail new equipment. Covered operations include setting up and servicing computers and peripherals (printers, scanners, modems), copiers and multifunction devices, fax machines, calculators, postage and microfilm equipment, and point-of-sale or transactional hardware such as cash registers, payment terminals, credit-card readers, and ATMs. To qualify for 5191, an insured must engage in operations away from its own shop; the code then covers all work done on the customer's premises as well as bench work back in the shop.
The classification includes the low-voltage and dead-wiring work necessary to connect a machine up to the point of plugging it into a live wire circuit, along with disassembling the equipment, replacing parts, reassembling, and cleaning. It does not extend to wiring the building itself: running branch circuits, panels, or fixed power and lighting wiring is electrical-construction work classified to 5190, not 5191.
5191 vs 5190, 8859, and 8810 — Service Hardware Is Not Construction or Software
The most common boundary error is treating 5191 as an electrical-wiring code. They are different classifications: 5190 Electrical Wiring — Within Buildings covers electricians installing the building's wiring systems — power and lighting circuitry, fuses, plugs, and switches — while 5191 covers technicians who service office machines and computer hardware and only run the short low-voltage lead from the equipment to its power source. If a worker is wiring the building, the work is 5190; if a worker is installing or repairing the machine that plugs into the building, the work is 5191. A site audit that finds branch-circuit or panel work being reported under 5191 will reclassify it.
Two other boundaries matter for technology businesses. Writing or maintaining software, programming, and systems-analysis work rates to 8859 Computer Programming or Software Development, not 5191 — 5191 is hands-on hardware service, not coding. And the office staff who schedule jobs, dispatch technicians, and handle billing are clerical: whether their payroll can be separately rated to 8810 Clerical Office Employees instead of being absorbed into the 5191 field payroll depends on the governing state bureau's standard-exception rules, so confirm the state's treatment before assuming a clerical split.
Audit Records for 5191 Office Machine Service
The audit file that protects a 5191 assignment documents that the work is office-machine and computer-hardware service performed at customer sites and in the shop — not building electrical wiring. Keep service tickets or work orders describing the equipment serviced (copiers, printers, computers, POS terminals), payroll detail for field technicians, and records separating any building-wiring or low-voltage cabling subcontract work that belongs in a construction code. If technicians both service machines and perform separately rated electrical-construction work, divide payroll so each duty maps to its correct classification.
Travel between customer sites is part of the 5191 exposure, so vehicle and route records help substantiate the field-service nature of the work. For quote shoppers, the figures on this page — filed figures where a state publishes them and a relative cost index elsewhere — are not a binding quote: the final premium still changes after payroll, the carrier's loss-cost multiplier, the employer's experience modification factor, schedule credits, minimum premium, and any reclassification to a construction or programming code. Independent-bureau states publish their own 5191 phraseology and rates, so an operator in a state with its own rating bureau should confirm the local classification rather than rely on a single national figure.
Sources
- NCCI Scopes Manual — Class 5191 Office Machine Installation, Inspection, Adjustment, or Repair (PDF) (retrieved 2026-06-03)
- General Liability Insure — Workers Comp Class Code 5191 Office Machine Installation, Inspection, Adjustment, or Repair (retrieved 2026-06-03)
- NYCIRB Classification Digest — Class 5191 Phraseology and Description (retrieved 2026-06-03)
- Wisconsin WCRB — Table of Classifications by Hazard Group (5191 = hazard group E), effective Oct 1, 2025 (retrieved 2026-06-03)
Frequently Asked Questions
Want Help Reviewing Your Rate?
Send us your business details for a free, no-obligation review in New York.
Request Review