Workers Comp Class Code 5221 — Concrete Construction — Flat WorkNew York
Pouring, finishing, and curing concrete for floors, sidewalks, driveways, and structural slabs on residential and commercial projects in New York.
How Have New York Workers Comp Rates Changed Over the Last 5 Years?
Source: NYCIRB loss cost rates. Actual carrier rates may vary.
How Much Does New York 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.
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What Jobs Are Covered Under This New York Class Code?
- ▸ Concrete finisher
- ▸ Form setter
- ▸ Concrete laborer
- ▸ Pump operator
- ▸ Flatwork contractor
What Are the Top Injury Risks for This New York Class Code?
- ⚠ Chemical burns from prolonged skin contact with wet concrete (pH 12–13)
- ⚠ Back injuries from heavy lifting and vibrating screed operation
- ⚠ Struck by concrete pump trucks and mixer vehicles
- ⚠ Vibration white finger from extended use of power trowels
- ⚠ Slips on wet concrete surfaces
What Does a Real Workers Comp Claim Look Like for This New York Class?
A Staten Island concrete finisher develops full-thickness chemical burns on both knees after kneeling in wet concrete during a 10-hour pour — debridement, skin grafts, and 5 months of lost wages at NY's $1,145/week maximum totaled $142,000. NY's Workers Compensation Board has seen a 15% increase in concrete chemical burn claims over the past 3 years as crews work faster to meet NYC's accelerated construction timelines.
Why Does a PEO Make Sense for New York Workers Comp in This Class?
Concrete contractors in NY — particularly small flatwork crews doing driveways and sidewalks in Nassau County, or slab-on-grade work in the Hudson Valley — face rates at $16.53/100 that make standard market coverage unaffordable. Most standard carriers require a minimum annual premium of $15,000–$25,000, which prices out crews with $100,000–$200,000 in annual payroll. PEO group workers comp programs have no minimum premium, bill monthly on actual payroll, and accept concrete contractors regardless of prior claim history.
NY Rate Context
NY concrete flat work rates at $16.53/100 are 41% higher than the national NCCI average for the same classification, reflecting three NY-specific factors: the physical intensity of concrete work in NYC's high-density environment, the chemical burn exposure from extended pours, and NY's elevated wage replacement benefits. The NYCIRB rate is statewide, meaning a concrete contractor pouring driveways in Westchester pays the same rate as a crew doing structural slabs in Manhattan — making PEO programs especially valuable for suburban and upstate concrete operators.