Contractors
Class Code 5022: Masonry NOC — Workers' Comp Insurance
Covers masonry contractors laying brick, block, and stone as part of building construction, when no more specific masonry classification applies. It's a physically demanding trade classification reflecting material handling and often working at height on scaffolding.
- Risk level:
- elevated
What code 5022 covers
Class 5022 applies to masonry contractors performing brick, block, and stone masonry work on buildings and structures, covering crews who mix mortar, lay units, and build masonry walls, veneers, and other structures. The work involves significant material handling — moving and setting heavy masonry units — along with scaffold use as walls rise beyond ground level, both of which are central to this classification's elevated risk profile. This is an NOC classification, meaning it applies broadly to masonry work that doesn't fall under a more specific classification; underwriting typically reviews the ground-level-only versus scaffold-height distinction some states apply for this trade. Contractors doing both masonry and concrete flatwork may need payroll evaluated across both classifications, since the two trades, while related, involve different techniques.
Included operations
- Brick, block, and stone laying for building construction
- Mortar mixing and masonry unit setting
- Masonry veneer installation on building exteriors
- Scaffold use for masonry work above ground level
Businesses that typically carry 5022
- Masonry and bricklaying contractors
- Stone veneer installation companies
- Block wall construction contractors
- Small, owner-operated contracting businesses
- Regional trade contracting companies
- Subcontractors working for general contractors
- Design-build contracting firms
Common misclassifications
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What drives the cost of code 5022
- Total payroll for employees performing the classified work, not gross receipts
- Experience modification factor built from claims history
- State-specific base rates and loss costs filed for this class code
- Use of subcontractors and whether they carry their own workers' comp coverage
- Safety programs, jobsite supervision, and documented training
- Payroll properly split across multiple classifications when work crosses trades
What underwriters look for
- Years in business and prior workers' comp loss history
- Types of jobs typically performed (new construction, remodel, residential vs. commercial) and average job size
- Whether subcontractors are used and certificates of insurance are collected and tracked
- Total payroll for employees actually performing the classified work
- Safety program, training documentation, and any OSHA history
Eligibility
State differences
This entry uses standard NCCI class code phraseology, which applies in most NCCI-governed states. Pennsylvania (PCRB), Delaware (DCRB), California (WCIRB), New Jersey (NJCRIB), Michigan, New York (NYCIRB), and Massachusetts maintain their own classification manuals, and code numbers or phraseology can differ there. Our agency confirms the correct classification for your state before quoting.
Where code 5022 fits
Quote class code 5022.
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Class code 5022 questions
Does this code cover both brick and stone masonry?
Yes, 5022 covers masonry work broadly, including brick, block, and stone construction.
Is scaffold work above ground level a factor in how this class is rated?
Yes, work at height on scaffolding as masonry walls rise is a key exposure reflected in this classification.
How is this different from concrete flatwork?
Masonry involves laying brick, block, or stone units, while concrete flatwork involves pouring and finishing poured concrete — different techniques with separate classifications.
Does this cover stone veneer installation on building exteriors?
Yes, masonry veneer installation is a typical scope of work covered under this classification.
Last reviewed · Reviewed by Provident Financial Group licensed agents