Insurance Class Code Library 🗂️

The codes that price your policy, explained in plain English — 56 codes across workers comp (NCCI), general liability (ISO), NAICS, and SIC, cross-linked to the trades they belong to.

5645 — Carpentry — Detached One- or Two-Family Dwellings Workers Comp (NCCI): The residential carpentry workhorse: framing and carpentry on detached one- and two-family homes not more than three stories. New-home framers, residential remodelers, and deck… Full details →
5403 — Carpentry — NOC Workers Comp (NCCI): Carpentry "not otherwise classified" — commercial framing, multifamily work over the 5645 thresholds, and general carpentry that doesn’t fit a more specific code. Typically… Full details →
5437 — Carpentry — Cabinet Work / Interior Trim Installation Workers Comp (NCCI): Finish carpentry: installing cabinets, interior trim, doors, and millwork. Meaningfully cheaper than framing codes because the work is interior and at floor level. Full details →
5551 — Roofing — All Kinds & Drivers Workers Comp (NCCI): All roofing work — installation, repair, tear-off — residential and commercial. Consistently one of the most expensive workers’ comp codes in construction because of… Full details →
5190 — Electrical Wiring — Within Buildings & Drivers Workers Comp (NCCI): Electricians doing wiring inside buildings — installation, service, and repair. One of the more moderately-rated trade codes, reflecting lower height exposure than framing or… Full details →
5183 — Plumbing — NOC & Drivers Workers Comp (NCCI): Plumbing installation, service, and repair not otherwise classified — the standard code for residential and commercial plumbers, including gas fitting in many states. Full details →
5537 — Heating, Ventilation & Air Conditioning — Installation, Service & Repair Workers Comp (NCCI): HVAC contractors: installing and servicing heating, cooling, and ventilation systems, including ductwork. Covers residential and commercial service work. Full details →
5474 — Painting — NOC & Shop Operations Workers Comp (NCCI): Painting contractors — interior and exterior, residential and commercial — not otherwise classified. Exterior work at height is what drives the rate; some states… Full details →
0042 — Landscape Gardening & Drivers Workers Comp (NCCI): Landscaping: planting, grading, lawn installation, hardscape, and general grounds work. The core code for landscape contractors; mowing-only lawn care fits 9102 in many states. Full details →
9102 — Lawn Maintenance — Commercial or Domestic & Drivers Workers Comp (NCCI): Recurring lawn and grounds maintenance — mowing, edging, seasonal cleanup. Generally rated below 0042 because there’s less construction-type exposure. Full details →
0106 — Tree Pruning, Spraying, Repairing & Drivers Workers Comp (NCCI): Tree service work — pruning, trimming, removal, stump grinding. One of the highest-rated codes in the green industry: chainsaws, heights, and rigging make the… Full details →
5213 — Concrete Construction — NOC Workers Comp (NCCI): Structural concrete work not otherwise classified — foundations, walls, columns, and poured-in-place structures. Flatwork on the ground belongs in 5221. Full details →
5221 — Concrete or Cement Work — Floors, Driveways, Yards & Sidewalks Workers Comp (NCCI): Concrete flatwork: driveways, sidewalks, patios, and slabs on grade. Rated below structural concrete (5213) because the work stays at ground level. Full details →
6217 — Excavation & Drivers — NOC Workers Comp (NCCI): Excavation, grading, and earthmoving not otherwise classified — site prep, trenching, and digging with heavy equipment. Trench collapse and struck-by exposures drive the rate. Full details →
5478 — Floor Covering Installation — Carpet, Vinyl & Linoleum Workers Comp (NCCI): Installing soft and resilient floor coverings. Tile, stone, and terrazzo work is separately classified (5348). One of the gentler-rated construction codes. Full details →
5348 — Tile, Stone, Mosaic or Terrazzo Work — Interior Workers Comp (NCCI): Setting tile, stone, marble, and terrazzo inside buildings. Distinct from soft floor covering (5478) and from exterior masonry codes. Full details →
5223 — Swimming Pool Construction — Not Iron or Steel Workers Comp (NCCI): Building in-ground swimming pools — excavation, shell, decking, and finish. Pool service and cleaning routes are usually classed elsewhere (often 9014 or a state… Full details →
9014 — Janitorial Services / Buildings — Operation by Contractors Workers Comp (NCCI): Building service work: janitorial contractors and building operations — and the code where pressure washing of buildings commonly lands in many states. Verify your… Full details →
9402 — Street Cleaning & Drivers Workers Comp (NCCI): Street and pavement cleaning operations — and in a number of states, the landing spot for plow-truck snow removal of streets and lots. Snow… Full details →
5606 — Contractor — Project Manager, Construction Executive or Superintendent Workers Comp (NCCI): Supervisory construction personnel who manage through subordinates and don’t perform hands-on trade work. Far cheaper than trade codes — and tightly policed: pick up… Full details →
8810 — Clerical Office Employees — NOC Workers Comp (NCCI): The office code: employees whose duties are clerical and who work away from the operational hazards. One of the cheapest codes on any policy… Full details →
8742 — Salespersons or Collectors — Outside Workers Comp (NCCI): Outside sales staff and estimators who visit job sites but don’t perform the work. Cheap like clerical, with the same audit scrutiny about what… Full details →
91580 — Contractors — Executive Supervisors or Executive Superintendents General Liability (ISO): The GL classification for construction executives who supervise through others — job oversight without hands-on work, typically rated on payroll. The liability cousin of… Full details →
94276 — Electrical Work — Within Buildings General Liability (ISO): ISO’s CGL classification for electricians performing wiring and electrical work inside buildings, generally rated on payroll. Completed-operations exposure (fires alleged years later) is the… Full details →
98304 — Painting — Interior — Buildings or Structures General Liability (ISO): Interior painting classification under ISO CGL — the lower-rated of the painting pair since ladders indoors beat staging outdoors. Full details →
98305 — Painting — Exterior — Buildings or Structures (Three Stories or Less) General Liability (ISO): Exterior painting up to three stories under ISO CGL. Above three stories — or structural steel and tanks — moves to separate, sharply higher-rated… Full details →
95647 — Plumbing — Commercial & Industrial General Liability (ISO): ISO CGL classification for plumbers working commercial and industrial jobs. Water-damage completed-ops claims are the signature exposure that shapes pricing. Full details →
95648 — Plumbing — Residential or Domestic General Liability (ISO): The residential counterpart plumbing classification under ISO CGL — typically rated below commercial/industrial work. Full details →
238110 — Poured Concrete Foundation & Structure Contractors NAICS: The official NAICS industry for concrete contractors — foundations, footings, and poured structures, including flatwork crews. What you put on the W-9-adjacent paperwork, loan… Full details →
238130 — Framing Contractors NAICS: NAICS code for framing contractors — structural wood and light-gauge steel framing crews. Full details →
238140 — Masonry Contractors NAICS: Brick, block, and stone masonry contractors under NAICS. Full details →
238160 — Roofing Contractors NAICS: The NAICS industry for roofing contractors — installation and repair of roofs of all types. Full details →
238210 — Electrical Contractors & Other Wiring Installation NAICS: NAICS code covering electricians and low-voltage/wiring installers. Full details →
238220 — Plumbing, Heating & Air-Conditioning Contractors NAICS: The combined NAICS industry for plumbers and HVAC contractors — the mechanical trades. Full details →
238320 — Painting & Wall Covering Contractors NAICS: NAICS industry for painting contractors and wall-covering installers. Full details →
238330 — Flooring Contractors NAICS: NAICS industry for flooring contractors — carpet, wood, resilient, and laminate installation. Full details →
238340 — Tile & Terrazzo Contractors NAICS: NAICS industry for tile, marble, terrazzo, and mosaic contractors. Full details →
238350 — Finish Carpentry Contractors NAICS: NAICS industry for finish carpenters — trim, doors, cabinets, and millwork installation. Full details →
238910 — Site Preparation Contractors NAICS: NAICS industry for excavation, grading, demolition, and land-clearing contractors. Full details →
238990 — All Other Specialty Trade Contractors NAICS: The NAICS catch-all for specialty trades without their own code — including swimming pool construction, driveway sealing, fence building, and more. Full details →
561730 — Landscaping Services NAICS: The NAICS industry for landscaping and lawn care — design, installation, and maintenance of grounds, including tree services for many businesses. Full details →
561720 — Janitorial Services NAICS: NAICS industry for janitorial and cleaning contractors. Full details →
561790 — Other Services to Buildings & Dwellings NAICS: The NAICS home of exterior-cleaning businesses: pressure washing, gutter cleaning, chimney sweeps — and snow plowing of driveways and parking lots. Full details →
484110 — General Freight Trucking — Local NAICS: NAICS industry for local general-freight trucking — box trucks and local hauling operations. Full details →
1711 — Plumbing, Heating & Air-Conditioning SIC: The legacy SIC code for mechanical contractors — still requested on some carrier, lender, and government forms even though NAICS replaced SIC in 1997. Full details →
1721 — Painting & Paper Hanging SIC: SIC code for painting contractors and paperhangers. Full details →
1731 — Electrical Work SIC: SIC code for electrical contractors. Full details →
1751 — Carpentry Work SIC: SIC code for carpentry contractors — framing through finish. Full details →
1752 — Floor Laying & Other Floor Work, NEC SIC: SIC code for flooring installation contractors. Full details →
1761 — Roofing, Siding & Sheet Metal Work SIC: SIC code covering roofing and siding contractors. Full details →
1771 — Concrete Work SIC: SIC code for concrete contractors, structural and flatwork alike. Full details →
1794 — Excavation Work SIC: SIC code for excavation and earthmoving contractors. Full details →
1799 — Special Trade Contractors, NEC SIC: The SIC catch-all for specialty trades — swimming pool construction and many niche contractors report here. Full details →
0782 — Lawn & Garden Services SIC: SIC code for lawn care and landscaping services. Full details →
0783 — Ornamental Shrub & Tree Services SIC: SIC code for tree trimming, pruning, and removal services. Full details →
7349 — Building Cleaning & Maintenance Services, NEC SIC: SIC code where janitorial and exterior-cleaning businesses — including pressure washing — historically report. Full details →

Classifications vary by state (several states use independent rating bureaus) and by carrier. Always confirm the code that fits your actual operations with a licensed agent — the audit is where wrong codes get expensive. 🤝

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