Workers' Compensation for Contractors

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Why do contractors and construction companies need workers’ comp coverage?

Workers’ compensation insurance helps protect contractors, carpenters, roofers, electricians, deck builders, siding installers, and other construction workers by providing medical, disability, survivor, burial, and rehabilitation benefits to those who are injured or killed due to a work-related injury.

No matter how small a site or project, there are potential risks construction employees face on the job. These team members are at higher risk of injury than workers in other industries and could be harmed while carrying out tasks during a normal workday, such as:


Falls, slips, and trips  — The greatest risk for construction workers is falling or slipping from ladders, roofs, and scaffolding which can result in injury or even death.


Transportation injuries — The second most common cause of construction injuries are transportation related. Construction workers are at risk of being hit by vehicles in work zones or on roadways.


Other injuries — Construction workers are at risk for contact injuries from power equipment, collapsing structures, or falling objects. They also may be exposed to harmful environments, substances, fires, or explosions.

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What are some common workers' comp class codes for the construction industry?

Construction workers are grouped into classes based on work activities and risk level by the National Council on Compensation Insurance (NCCI) or by state agencies. There are many different workers’ comp codes within the construction industry, and it is critical that your workers are each categorized correctly.


Below are a few common workers’ comp class codes in the construction industry:


Workers’ Comp Code 5437 — Cabinets, Trim, and Floor Installers

WC class code 5437 covers carpenters who install cabinet work, interior trim, or wood flooring.


Workers’ Comp Code 5551 — Roofers

WC class code 5551 covers most roofing contractors who install or repair new or existing commercial or residential roofs.


Workers’ Comp Code 5606 — Contractors

The 5606 class code covers project managers, construction managers, construction executives, or construction superintendents.


Workers’ Comp Code 5645 — Carpentry and Siding Installers < 3 Stories

WC class code 5645 includes those who build or install siding on residential dwellings not exceeding three stories in height.

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