Contractors
Class Code 5192: Vending or Coin Operated Machines—Installation, Service, or Repair & Salespersons, Drivers — Workers' Comp Insurance
Covers technicians who install, service, and repair vending and coin-operated machines, along with the salespersons and drivers who support the vending route business. It reflects the equipment handling and route-driving nature of vending machine operations.
- Risk level:
- moderate
What code 5192 covers
Class 5192 applies to businesses that install, service, and repair vending and coin-operated machines, covering technicians who maintain and repair equipment, route drivers who restock and collect from machines, and salespersons who place new machines with customer accounts. The work involves moving and positioning vending machines, which can be heavy, along with mechanical troubleshooting and routine restocking duties performed at a variety of customer locations. Because a vending business is route-based, with drivers regularly traveling between machine locations, this classification bundles the driving and sales components together with the technical service work rather than splitting them into separate codes. This code is distinct from office machine service, which involves different equipment and typically doesn't include the same route-driving and restocking component.
Included operations
- Vending and coin-operated machine installation and placement
- Mechanical repair and troubleshooting of vending equipment
- Route-based restocking and cash collection
- Salespersons placing new machines with customer accounts
Assigned elsewhere
- Office machine installation and repair not involving vending equipment — see code 5191
- General retail store operations at the businesses hosting the vending machines
- Arcade or amusement machine operation as a distinct business, evaluated under the applicable classification
- Food preparation performed by the vending company beyond restocking packaged goods
Businesses that typically carry 5192
- Vending machine route operators
- Coin-operated machine service companies
- Office coffee and snack vending providers
- Small, owner-operated contracting businesses
- Regional trade contracting companies
- Subcontractors working for general contractors
- Design-build contracting firms
Common misclassifications
Code 5191
Vending machine technicians and office machine technicians perform similarly skilled field-service work but are evaluated under separate, specific classifications.
Code 9516
Vending machine technicians who also service broader electronic equipment can blend two distinct field-service classifications if that scope isn't tracked.
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What drives the cost of code 5192
- 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 5192 fits
Quote class code 5192.
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Class code 5192 questions
Does this code cover both our technicians and our route drivers?
Yes, 5192 is written to include machine service technicians along with the route drivers and salespersons who support the vending business.
Is moving and installing vending machines a significant part of this classification's exposure?
Yes, machines can be heavy, so installation and repositioning are a meaningful physical exposure reflected in this code.
How is this different from office machine repair?
Office machine service (5191) doesn't typically include the route-driving and restocking component that's central to a vending machine business.
Are our salespersons who place new machines included?
Yes, salespersons placing new vending machines with customer accounts are part of this classification.
Last reviewed · Reviewed by Provident Financial Group licensed agents