Contractors
Class Code 5348: Ceramic Tile, Indoor Stone, Marble, or Mosaic Work — Workers' Comp Insurance
Covers tile and stone installation contractors setting ceramic tile, marble, and mosaic work indoors, including surface preparation, cutting, and setting. It reflects the kneeling, cutting, and material-handling demands specific to tile and stone work.
- Risk level:
- elevated
What code 5348 covers
Class 5348 applies to contractors installing ceramic tile, indoor stone, marble, and mosaic work, covering crews who prepare substrates, cut tile and stone using wet saws and other cutting equipment, and set and grout the finished surface. The work involves substantial kneeling and bending, along with exposure to cutting equipment and the physical demand of moving stone and tile materials, which are heavier and less forgiving than resilient flooring products. This classification is distinct from resilient flooring, carpet, and laminate installation, which involves different materials and tools and carries its own classification. Larger-scale exterior stonework or structural masonry veneer work may be evaluated under a masonry classification instead, depending on the specific scope.
Included operations
- Substrate preparation for tile and stone installation
- Cutting tile, stone, and marble with wet saws and cutting tools
- Setting and grouting ceramic tile, stone, and mosaic surfaces
- Indoor tile and stone installation for floors, walls, and countertops
Assigned elsewhere
- Resilient flooring, carpet, and laminate installation — see code 5478
- Exterior stonework or structural masonry veneer performed at scale — see code 5022 (Masonry NOC)
- Plastering performed as a primary service — see code 5480
- Countertop fabrication performed at a manufacturing shop, evaluated under the applicable classification
Businesses that typically carry 5348
- Tile and stone installation contractors
- Marble and mosaic installation specialists
- Bathroom and kitchen tile installers
- 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 5348
- 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 5348 fits
Quote class code 5348.
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Mon–Fri, 8:00am–6:00pm ET · Independent agency licensed in 23 states
Class code 5348 questions
Does this code cover carpet or vinyl flooring installation too?
No, that's a separate classification (5478); 5348 is specific to ceramic tile, stone, marble, and mosaic work.
What tools and equipment are typical for this trade?
Wet saws and other cutting equipment for tile and stone are commonly used and are a standard part of underwriting this class.
Does this cover countertop installation?
Indoor stone and tile countertop setting is included; fabrication performed at a separate manufacturing shop is evaluated differently.
What if a project involves larger exterior stonework?
Larger-scale exterior stonework or structural masonry veneer work may be evaluated under the masonry classification instead, depending on scope.
Last reviewed · Reviewed by Provident Financial Group licensed agents