Skilled trades like plumbing, HVAC, and electrical work involve real physical risk — tight spaces, electrical hazards, heavy equipment, and exposure to extreme temperatures. Workers comp insurance protects your technicians and your business when something goes wrong.
Common Injuries in Skilled Trades
Electricians face shock and electrocution risks. HVAC technicians work in attics, crawl spaces, and on rooftops. Plumbers deal with back injuries, burns from hot pipes, and chemical exposure. All three trades involve tools, ladders, and physical labor that create consistent injury risk.
Workers Comp Class Codes for Trades
Each trade has its own class codes, and they differ meaningfully in cost. Electrical work in energized systems carries a premium rate. HVAC installation vs. service work may be coded differently. Plumbing rates vary between residential and commercial work. Getting your employees classified correctly is critical — a misclassification can cost you significantly over a policy year.
How Your Shop Rate vs. Field Rate Affects Your Premium
If you have employees who work in your shop, warehouse, or office in addition to field technicians, those employees may qualify for a lower rate code. Separating shop payroll from field payroll can reduce your overall premium. Many contractors miss this and overpay as a result.
Get a Free Trades Workers Comp Quote
Comp Matters Inc. serves plumbers, HVAC contractors, and electricians across New York, New Jersey, Connecticut, Pennsylvania, and the entire East Coast. We know the class codes and how to get you the best rate. Call (631) 248-2500 today.
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