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Texas Workers Comp Class Codes & Rates

Texas is unique in that workers' compensation insurance is not mandatory for most private employers. However, employers who opt out ('non-subscribers') lose certain legal protections. The Texas Department of Insurance (TDI) regulates the market.

Rating Org

TDI / NCCI

Effective

2025-07-01

Avg Rate

$1.55

Codes Listed

60+

Texas uses NCCI advisory loss costs effective July 1, 2025. Rates shown are advisory loss costs; actual rates depend on the carrier's loss cost multiplier (LCM). Construction and high-hazard industries are strongly encouraged to carry coverage.

60 codes
CodeDescriptionRate / $100
0005Farm - Nursery Employees & Drivers$2.40
0042Landscape Gardening & Drivers$3.50
0083Farm - Cattle or Livestock Raising NOC & Drivers$3.60
1430Foundry - Iron or Steel$3.20
2001Sawmill$4.50
2501Bakery$1.50
2585Meat Packing$3.90
3004Iron or Steel Fabrication$2.60
3030Welding NOC$2.80
3081Machine Shop NOC$1.55
3803Automobile Repair - All Employees$1.50
4299Printing$1.10
5022Masonry NOC$4.20
5040Iron or Steel Erection - Frame Structures$5.80
5160Elevator Erection/Repair$1.20
5183Plumbing NOC and Drivers$2.45
5190Electrical Wiring Within Building and Drivers$1.33
5200Concrete Work - Floors, Driveways, Yards$3.80
5213Concrete Construction NOC$4.10
5403Carpentry NOC$3.50
5437Carpentry - Install Cabinet Work/Interior Trim$3.70
5474Painting or Paperhanging NOC$3.60
5507Street or Road Construction or Reconstruction$2.60
5535Sheet Metal Work - Installation & Drivers$4.30
5537Heating, Ventilation, Air Conditioning (HVAC)$2.30
5551Roofing - All Kinds & Drivers$5.50
5645Carpentry - Detached Dwellings$6.20
5651Carpentry - Dwellings 3 Stories or Less$3.90
6204Drilling NOC & Drivers$4.10
6213Oil or Gas Wells - Servicing by Contractors$1.35
6217Excavation and Drivers$2.60
6233Oil/Gas Pipeline Construction$1.38
6400Fence Erection - Metal$2.90
7219Trucking NOC$4.00
7222Truckers - Long Haul$5.20
7380Drivers, Chauffeurs & Their Helpers$3.60
7382Bus Company$3.10
7705Ambulance Service Companies, EMS Providers & Drivers$2.50
8006Store - Grocery Retail$1.20
8010Store - Hardware$1.02
8017Retail Stores NOC$0.92
8018Store - Wholesale NOC$2.30
8039Department or Discount Stores$1.15
8044Store - Furniture & Drivers$1.50
8045Store - Drug Retail$0.65
8292Storage Warehouse NOC$1.55
8380Auto Service and Repair Center$1.32
8393Automobile Body Repair$0.88
8601Architects or Engineer Consulting$0.21
8742Salespersons, Messengers - Outside$0.17
8810Clerical Office Employees NOC$0.08
8820Attorney - All Employees$0.05
8832Medical Offices, Physician$0.17
8835Nursing - Home Health$1.05
9014Buildings - Operation by Contractor$1.95
9052Hotel - All Other Employees$1.22
9082Restaurant NOC$0.90
9083Restaurant - Fast Food$0.93
9170Janitorial Service by Contractors$5.90
9403Garbage and Refuse - Collecting in Containers$4.30

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