Workers' Compensation for Contractors and Construction Workers

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Workers' Compensation for Contractors and Construction Workers

While the construction industry is known for its significant number of workplace accidents, the industry as a whole continues to implement stronger safety procedures. From the creation of safety mobile apps to newer technologies, small construction businesses have more resources than ever to protect their teams. 

 

Small business owners should protect their valued team members with workers’ compensation coverage. Workers’ compensation insurance helps protect contractors, carpenters, roofers, electricians, deck builders, siding installers, and other construction workers from workplace injuries and illnesses. 

 

Pie Insurance hopes to change how small construction businesses purchase workers’ comp insurance. We offer a digital insurance experience, allowing owners of small construction companies the independence to get workers’ compensation insurance online.

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

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.

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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