Contractors
Class Code 5479: Insulation Work NOC & Drivers — Workers' Comp Insurance
Covers insulation contractors installing thermal and acoustic insulation in buildings, along with the contractor's drivers. It's the standard classification for insulation installation work across common insulation types.
- Risk level:
- elevated
What code 5479 covers
Class 5479 applies to contractors installing insulation in buildings, covering crews who install batt, blown-in, spray foam, or rigid board insulation in walls, attics, and crawl spaces, along with drivers who transport materials and equipment to job sites. The work involves material handling, confined-space work in attics and crawl spaces, and, for spray foam applications, chemical handling and specialized equipment. This is an NOC classification covering insulation work broadly across common insulation types and installation methods; certain specialized insulation removal involving hazardous materials, such as older asbestos-containing insulation, may be evaluated under a different, specialized classification. Insulation contractors working on new construction and retrofit/weatherization projects are typically covered under this same classification.
Included operations
- Batt, blown-in, and rigid board insulation installation
- Spray foam insulation application
- Attic and crawl-space insulation work
- Drivers transporting insulation materials and equipment to job sites
Businesses that typically carry 5479
- Residential and commercial insulation contractors
- Spray foam insulation companies
- Weatherization and energy-efficiency contractors
- Small, owner-operated contracting businesses
- Regional trade contracting companies
- Subcontractors working for general contractors
- Design-build contracting firms
Common misclassifications
Code 5445
Insulation and drywall work are often performed on the same jobs in sequence, which can blend two distinct classifications if the scope isn't tracked separately.
Code 5537
Insulation contractors who also insulate HVAC ductwork as part of an HVAC installation can blend two distinct classifications if that scope isn't tracked separately.
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What drives the cost of code 5479
- 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 5479 fits
Quote class code 5479.
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 5479 questions
Does this code cover spray foam insulation specifically?
Yes, spray foam application is included along with other common insulation types like batt and blown-in insulation.
What about removing old asbestos-containing insulation?
That's evaluated under a specialized hazardous-material classification, not this general insulation code.
Does this cover both new construction and retrofit/weatherization work?
Yes, insulation contractors doing either type of project are typically covered under this same classification.
Are our material delivery drivers included?
Yes, drivers transporting insulation materials and equipment to job sites are part of this classification.
Last reviewed · Reviewed by Provident Financial Group licensed agents