Workers Comp Class Code 5479 — Insulation WorkNew York
Installation of thermal, acoustic, and fire insulation in buildings, including spray foam, fiberglass batts, and rigid board insulation 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.
Enter your phone number to get your personalized NY workers comp quote with PDF download.
Your Quote is Ready!
Enter your cell number to view your instant estimate.
By entering your number, you agree to receive a call from our team. We never sell your contact information. Standard message rates may apply.
🔒 Your info is 100% private. We never sell your contact.
What Jobs Are Covered Under This New York Class Code?
- ▸ Insulation installer
- ▸ Spray foam applicator
- ▸ Insulation laborer
- ▸ Weatherization worker
- ▸ Insulation foreman
What Are the Top Injury Risks for This New York Class Code?
- ⚠ Chronic respiratory disease from fiberglass and mineral wool fiber inhalation
- ⚠ Isocyanate sensitization from spray polyurethane foam (SPF) — can cause permanent occupational asthma
- ⚠ Falls from ladders in attic and crawlspace work
- ⚠ Skin and eye irritation from fiberglass contact
- ⚠ Confined space hazards in crawlspaces and mechanical rooms
What Does a Real Workers Comp Claim Look Like for This New York Class?
A Westchester insulation contractor develops occupational asthma after 4 years of spray foam application without proper respiratory protection — permanent reduced lung function, ongoing medication costs, and lost earning capacity resulted in a $230,000 workers comp settlement under NY's occupational disease provisions. NY's Workers Compensation Law Section 47 allows occupational disease claims up to 2 years after last exposure, creating long-tail liability for insulation contractors.
Why Does a PEO Make Sense for New York Workers Comp in This Class?
Insulation contractors in NY — particularly spray foam applicators doing energy retrofits in NYC's multifamily housing stock or weatherization work in upstate homes — face occupational disease liability that standard carriers price into their rates or exclude via endorsement. PEO group workers comp programs spread the occupational disease risk across a large pool of contractors and provide coverage that includes the isocyanate and respiratory exposures that standard markets often restrict.
NY Rate Context
NY insulation rates at $4.46/100 are among the lower construction rates in NY, reflecting the moderate fall risk compared to roofing or masonry. However, the rate has increased 14% over 5 years as NYCIRB adjusts for the growing occupational disease claims from spray foam applicators. NY's energy efficiency mandates (Local Law 97 in NYC) are driving increased demand for insulation work, which is expanding the workforce and the associated claim exposure.