Workers Comp Class Code 5348 — Ceramic, Tile and Stone WorkCalifornia
Installation of ceramic tile, natural stone, marble, travertine, and similar materials on floors, walls, and countertops in California residential and commercial projects.
How Have California Workers Comp Rates Changed Over the Last 5 Years?
Source: WCIRB pure premium rates. Actual carrier rates may vary significantly in California.
How Much Does California Workers Comp Cost for This Class Code?
⚠️ Pre-Underwriting Estimate: This is a preliminary estimate only. Final premium can change based on underwriting results, loss history, OSHA records, and carrier approval. CA rates vary significantly by carrier.
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What Jobs Are Covered Under This California Class Code?
- ▸ Tile setter
- ▸ Stone installer
- ▸ Marble worker
- ▸ Mosaic tile installer
- ▸ Tile apprentice
What Are the Top Injury Risks for This California Class Code?
- ⚠ Knee injuries from prolonged kneeling on hard surfaces
- ⚠ Back strain from heavy stone slabs
- ⚠ Cuts from tile cutting and grinding
- ⚠ Silica dust inhalation from dry-cutting tile
- ⚠ Chemical exposure from grout, adhesive, and sealers
What Does a Real Workers Comp Claim Look Like for This California Class?
A tile setter in Orange County develops silicosis after years of dry-cutting porcelain tile without respiratory protection — California's DWC recognizes silicosis as an occupational disease, and long-term disability claims for silicosis can reach $600,000+ when lifetime medical monitoring, oxygen therapy, and permanent total disability are factored in. Cal/OSHA's silica standard (Title 8 Section 1532.3) requires wet cutting or HEPA vacuum systems for all tile cutting.
Why Does a PEO Make Sense for California Workers Comp in This Class?
California tile contractors face a growing silica liability problem: Cal/OSHA's 2018 silica standard dramatically increased compliance requirements, and standard carriers have begun excluding or surcharging silica-related claims. PEO group programs provide tile contractors with access to group markets that include silica exposure coverage, along with safety resources to help contractors implement the wet-cutting and respiratory protection programs required by Title 8.
CA Rate Context
At $5.29/100, California tile and stone rates are moderate but elevated by the silica dust risk that has become a major loss driver in the trade. WCIRB's pure premium reflects the increasing frequency of silicosis claims in California, where the state's aggressive occupational disease reporting requirements mean that latent silica claims are filed at 3–4x the rate of most other states.