Workers Comp Class Code 5645 — Residential Construction — Home Builders & RemodelersNew York
Construction, renovation, and remodeling of single-family and multi-family residential buildings across 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?
- ▸ General contractor
- ▸ Framing carpenter
- ▸ Remodeling contractor
- ▸ Home builder
- ▸ Renovation worker
What Are the Top Injury Risks for This New York Class Code?
- ⚠ Falls from roofs and unguarded floor openings
- ⚠ Nail gun injuries — the leading cause of ER visits in residential construction
- ⚠ Struck by falling materials during framing
- ⚠ Power tool lacerations
- ⚠ Overexertion from heavy material handling
What Does a Real Workers Comp Claim Look Like for This New York Class?
A Suffolk County framing carpenter falls through an unprotected second-floor opening during a new home build — spinal cord injury, 18 months of total disability, and lifetime medical costs resulted in a $480,000 workers comp award under NY law. NY's Workers Compensation Law Section 240 (the 'Scaffold Law') imposes absolute liability on property owners and contractors for gravity-related injuries, which drives up claim costs and insurance rates for residential contractors statewide.
Why Does a PEO Make Sense for New York Workers Comp in This Class?
Residential contractors in NY — particularly small GCs and remodelers doing kitchen additions in Westchester, bathroom remodels in Nassau County, or new construction in the Hudson Valley — face a market where standard carriers have tightened underwriting significantly since NY's Scaffold Law reform debate stalled in Albany. PEO group workers comp programs provide residential contractors with access to group markets that accept their risk profile, bill monthly on actual payroll, and issue certificates of insurance within 24 hours — critical for contractors who need to pull building permits quickly.
NY Rate Context
NY residential construction rates at $7.77/100 are moderate by NY standards but still 19% above the national NCCI average, driven by NY's Scaffold Law (Labor Law Section 240) which imposes absolute liability for gravity-related injuries and inflates claim costs significantly. Residential contractors in NYC's outer boroughs face higher actual claim costs than upstate contractors due to the density of multi-story work, but all pay the same NYCIRB statewide rate.