Workers' compensation
Class codes by industry
Classification groups employers with similar operations so they share similar rates.
Construction and contracting
Carpentry, roofing, electrical, plumbing, concrete, and general contracting codes depend on the trade and sometimes on wage levels.
Health care
Hospitals, clinics, nursing homes, and home health agencies each have codes; patient lifting drives many claims.
Manufacturing
Codes reflect the product and process, from food processing to metal fabrication.
Retail, hospitality, and food service
Store, restaurant, and hotel codes cover employees who stock, cook, clean, and serve.
Offices and professional services
Clerical and professional employees are generally in lower-rated codes.
Transportation and warehousing
Trucking, delivery, and warehouse codes reflect vehicle and lifting exposure.
Frequently asked questions
Are class codes the same in every state?
Most states use a common system, but some states use their own codes.
Can my code be wrong?
Yes. Review your policy's classifications with your agent.
Does a code change my rate?
Each code carries its own rate in each state.
More coverage and guides
- Workers' compensation insurance
- Employers' liability
- Class codes and payroll
- Certificates and compliance
- Multi-state payroll
- Lower-hazard employer classes
- Class codes by industry
- Experience mods explained
- Return-to-work programs
- Premium audits
- Application checklist
Last updated October 15, 2026 · How we research