Contractors
Class Code 5146: Fixtures or Furniture Installation—Portable—NOC — Workers' Comp Insurance
Covers contractors who install portable fixtures and furniture in commercial and residential settings — think store fixtures, office furniture systems, and similar non-structural installations. It's distinct from structural carpentry and from furniture manufacturing.
- Risk level:
- moderate
What code 5146 covers
Class 5146 applies to contractors who install portable fixtures and furniture, such as retail store fixtures, office furniture and cubicle systems, and similar freestanding or semi-attached items that aren't part of a building's permanent structure. The work involves assembling, positioning, and securing fixtures and furniture according to a layout plan, along with the lifting and maneuvering involved in moving furniture and fixture components into place. This classification is distinct from structural carpentry, which involves building or modifying the building itself, and from furniture manufacturing, which produces the items being installed rather than installing them on-site. Contractors installing built-in, structurally attached cabinetry may fit better under the finish carpentry classification depending on how permanently the work is attached to the building.
Included operations
- Retail store fixture installation
- Office furniture and cubicle system installation and assembly
- Positioning and securing portable fixtures per a layout plan
- Furniture delivery and setup as part of an installation contract
Assigned elsewhere
- Structural, built-in cabinetry attached to the building — see code 5437 (Carpentry—Installation of Cabinet Work or Interior Trim)
- Furniture manufacturing, evaluated under the applicable manufacturing classification
- House furnishings installation and upholstering for residential customers — see code 9521
- General carpentry and framing — see code 5403
Businesses that typically carry 5146
- Office furniture installation companies
- Retail store fixture installation contractors
- Commercial furniture and systems installers
- Small, owner-operated contracting businesses
- Regional trade contracting companies
- Subcontractors working for general contractors
- Design-build contracting firms
Common misclassifications
Code 5437
Fixture installers who also attach built-in cabinetry to the building structure can blend two distinct classifications if the scope isn't tracked separately.
Code 9521
Commercial fixture installers and residential house furnishings installers both handle furniture-adjacent work, but the two settings are evaluated under separate classifications.
Compare up to 10 carriers in minutes.
One application goes out to every carrier we can access for your class of business. You get a ranked comparison you can review and purchase online — with a licensed agent available whenever you want one.
Mon–Fri, 8:00am–6:00pm ET · Independent agency licensed in 23 states
What drives the cost of code 5146
- 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 5146 fits
Quote class code 5146.
One application goes out to every carrier we can access for your class of business. You get a ranked comparison you can review and purchase online — with a licensed agent available whenever you want one.
Mon–Fri, 8:00am–6:00pm ET · Independent agency licensed in 23 states
Class code 5146 questions
Does this code cover office furniture and cubicle installation?
Yes, office furniture and systems furniture installation is a core part of this classification.
What about built-in cabinetry that's structurally attached?
That work may be evaluated under a different classification (5437) depending on how permanently it's attached to the building.
Is this the same code as furniture manufacturing?
No, furniture manufacturing is a separate classification; this code applies to installing furniture and fixtures on-site, not producing them.
Does this cover retail store fixture installation?
Yes, retail store fixture installation is a typical fit for this classification.
Last reviewed · Reviewed by Provident Financial Group licensed agents