Workers Comp Class Code 5102 — Metal Building ConstructionNew York
Erection of steel and metal frame buildings, including structural steel work and metal building assembly on commercial and industrial 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?
- ▸ Iron worker
- ▸ Steel erector
- ▸ Metal building installer
- ▸ Structural welder
- ▸ Crane operator
What Are the Top Injury Risks for This New York Class Code?
- ⚠ Falls from structural steel at height
- ⚠ Struck by swinging or dropped steel members
- ⚠ Welding arc flash burns
- ⚠ Crane and rigging accidents
- ⚠ Electrocution from power lines near steel
What Does a Real Workers Comp Claim Look Like for This New York Class?
A Bronx iron worker is struck by a swinging 400-lb beam during a connection — fractured pelvis, two surgeries, and 14 months of total disability resulted in $312,000 in workers comp costs under NY's benefit structure. NYC Local Law 196 requires Site Safety Training (SST) cards for all workers on major buildings, and violations can expose contractors to stop-work orders that compound the financial impact of any injury.
Why Does a PEO Make Sense for New York Workers Comp in This Class?
Structural steel contractors in NY face a double bind: NYCIRB rates at $14.86/100 are among the highest for metal construction nationally, and standard carriers demand 3-year loss runs with no major claims. Most small steel erectors in the New York metro area — doing warehouse builds in the Bronx or pre-engineered buildings in Long Island — can't meet those underwriting standards. PEO group programs accept metal building contractors regardless of prior losses and bill monthly on actual payroll, eliminating the large upfront deposit that standard policies require.
NY Rate Context
NY metal construction rates at $14.86/100 reflect the combination of high-elevation structural work, crane exposure, and NY's elevated wage replacement benefits. The NYCIRB sets rates independently of NCCI, and NYC's density of high-rise construction keeps the statewide loss experience elevated even for contractors working primarily on low-rise upstate projects. Contractors in Buffalo or Rochester doing pre-engineered metal buildings pay the same rate as NYC high-rise steel erectors — a structural inequity that PEO programs help offset.