Workers Comp Class Code 5183 — Plumbing ContractorsNew York
Installation and repair of water supply, drainage, and gas piping systems in residential and commercial buildings throughout New York State.
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?
- ▸ Plumber
- ▸ Pipefitter
- ▸ Plumbing apprentice
- ▸ Service plumber
- ▸ Gas line installer
What Are the Top Injury Risks for This New York Class Code?
- ⚠ Burns from high-pressure steam and hot water systems
- ⚠ Falls from ladders in tight mechanical rooms
- ⚠ Back injuries from confined-space work in crawlspaces
- ⚠ Chemical exposure from flux, solvents, and pipe dope
- ⚠ Electrical hazards when working near live panels
What Does a Real Workers Comp Claim Look Like for This New York Class?
A Manhattan plumber suffers third-degree burns while repairing a high-pressure steam riser in a pre-war apartment building — skin grafts, 3 months of hospitalization, and lost wages at NY's $1,145/week maximum totaled $195,000. NYC's aging steam infrastructure (many buildings still use Con Edison steam) creates burn exposures that don't exist in most other states.
Why Does a PEO Make Sense for New York Workers Comp in This Class?
NY plumbing contractors — especially those doing service work in NYC's pre-war residential stock — face underwriting scrutiny that standard carriers apply to the steam and gas exposure. A single burn claim can trigger non-renewal. PEO group workers comp programs evaluate plumbing contractors on their overall payroll profile rather than individual claim history, making coverage accessible for small plumbing shops with 2–15 employees that can't self-insure or qualify for standard markets.
NY Rate Context
NY plumbing rates at $7.43/100 are moderate by NY construction standards but still 22% above the national NCCI average for plumbing, driven by NY's high medical cost environment and the steam/gas exposure unique to NYC's building stock. The NYCIRB rate applies statewide, so a plumber in Syracuse doing residential service work pays the same rate as a Manhattan plumber working on high-pressure steam systems — a mismatch that makes PEO programs attractive for upstate plumbing contractors.