Workers Comp Class Code 5474 — Painting ContractorNew York
Interior and exterior painting of buildings, including surface preparation, spraying, and brush/roller application 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?
- ▸ Painter
- ▸ Paint sprayer
- ▸ Surface prep worker
- ▸ Drywall finisher/painter
- ▸ Industrial painter
What Are the Top Injury Risks for This New York Class Code?
- ⚠ Falls from ladders and pump jacks on multi-story exteriors
- ⚠ Lead paint exposure — NYC buildings built before 1978 are presumed to contain lead
- ⚠ Respiratory disease from solvent-based coatings and spray application
- ⚠ Eye injuries from paint splatter
- ⚠ Chemical burns from paint strippers containing methylene chloride
What Does a Real Workers Comp Claim Look Like for This New York Class?
A Bronx exterior painter falls 18 feet from a pump jack while painting a 4-story apartment building facade — spinal compression fractures, 11 months of total disability, and surgical costs resulted in $267,000 in workers comp costs. NYC Local Law 1 requires lead paint abatement protocols on pre-1978 buildings, and violations can result in stop-work orders that extend a painter's lost-wage period significantly.
Why Does a PEO Make Sense for New York Workers Comp in This Class?
Painting contractors in NY face a compounding problem: the $14.95/100 rate is already high, and NYC's lead paint regulations under Local Law 1 create additional liability exposure that standard carriers price into their rates or exclude via endorsement. Small painting contractors doing exterior work on NYC's aging housing stock — particularly in the Bronx, Harlem, and Brooklyn — often can't obtain standard market coverage at all. PEO group workers comp programs accept painting contractors with lead paint exposure and provide the certificate of insurance needed to pull NYC permits without a large upfront deposit.
NY Rate Context
NY painting rates at $9.74/100 are 18% above the national NCCI average, driven by the fall risk of exterior painting on NYC's multi-story building stock, the lead paint exposure under NYC Local Law 1, and NY's high wage replacement benefits. The NYCIRB rate is statewide, but NYC painters face significantly higher actual claim costs than upstate painters due to the density of pre-1978 buildings and the height of typical NYC exterior painting projects.