Find Your Contractor Insurance Class Code

An insurance class code is a numeric classification — most commonly issued by the National Council on Compensation Insurance (NCCI), though a handful of states including California, Texas, New York, Pennsylvania, and a few others maintain their own independent rating bureaus — that categorizes your business by the type of operations you perform. Carriers use it primarily to rate workers compensation premiums, since different trades carry very different statistical injury frequency and severity, but the classification also informs general liability underwriting.

Getting your class code right matters more than most contractors realize. Under-report your risk and you could face a large additional premium bill at your year-end audit when your actual payroll and operations don't match what was quoted. Get placed under the wrong (higher-risk) code and you could be overpaying for years without ever knowing it. The table below covers the most common class codes we see across contractor trades — use it as a starting point, then confirm your exact classification with a licensed agent during your quote.