Workers Comp Class Code 5348 — Ceramic, Tile and Stone WorkNew York
Installation of ceramic tile, natural stone, marble, and similar materials on floors, walls, and countertops in residential and commercial spaces across 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?
- ▸ Tile setter
- ▸ Stone installer
- ▸ Marble worker
- ▸ Mosaic tile installer
- ▸ Tile apprentice
What Are the Top Injury Risks for This New York Class Code?
- ⚠ Chronic knee injuries from kneeling on hard surfaces
- ⚠ Back strain from lifting 50–100 lb stone slabs
- ⚠ Lacerations from wet saw tile cutting
- ⚠ Silica dust inhalation — OSHA's PEL is 50 μg/m³ and tile cutting routinely exceeds it
- ⚠ Chemical sensitization from epoxy grout and adhesive solvents
What Does a Real Workers Comp Claim Look Like for This New York Class?
A Long Island tile setter is diagnosed with occupational silicosis after 12 years of cutting porcelain tile without a HEPA vacuum or respirator — permanent lung damage, reduced work capacity, and ongoing medical treatment resulted in a $520,000 workers comp settlement under NY law. The NY Workers Compensation Board classifies silicosis as an occupational disease, meaning claims can be filed years after exposure — creating long-tail liability for tile contractors.
Why Does a PEO Make Sense for New York Workers Comp in This Class?
Tile and stone contractors in NY face a unique underwriting challenge: silicosis is classified as an occupational disease under NY Workers Compensation Law Section 47, meaning claims can emerge 10–20 years after the worker was employed. Standard carriers price this long-tail exposure into their rates or decline coverage entirely. PEO group workers comp programs spread this occupational disease risk across a large pool of contractors, making coverage accessible and affordable for small tile shops doing kitchen and bath remodels in Nassau County, Brooklyn, or Westchester.
NY Rate Context
NY tile and stone rates at $10.2/100 are 28% above the national NCCI average, driven by the silica dust occupational disease exposure and NY's generous occupational disease benefits. Unlike most states, NY allows workers to file occupational disease claims up to 2 years after the last date of injurious exposure — a provision that creates significant long-tail liability for tile contractors and keeps NYCIRB rates elevated relative to NCCI states.