Contractors
Class Code 6400: Fence Installation and Repair—Metal, Vinyl, Wood, or Prefabricated Concrete Panel Fence Installed by Hand — Workers' Comp Insurance
Covers contractors installing and repairing fencing made of metal, vinyl, wood, or prefabricated concrete panels, using hand-based installation methods. It reflects the digging, post-setting, and material-handling work typical of fence contracting.
- Risk level:
- elevated
What code 6400 covers
Class 6400 applies to fence installation and repair contractors working with metal, vinyl, wood, or prefabricated concrete panel fencing installed by hand, covering crews who dig post holes, set and secure posts, and attach fence panels or rails. The work involves manual digging or the use of power augers, concrete work for setting posts, and handling fence materials that vary in weight depending on the type installed. This classification covers hand-installed fencing broadly across residential and commercial settings; mechanized, large-scale fence installation using heavy equipment beyond hand-installation methods may be evaluated differently depending on the scope. Contractors who also perform gate automation or electronic access control installation may need that specialized work evaluated under a different classification.
Included operations
- Post hole digging and setting for fence installation
- Installation of metal, vinyl, wood, or concrete panel fencing
- Fence repair and replacement work
- Gate installation as part of a fencing project
Assigned elsewhere
- Electronic gate automation and access control system installation, evaluated under the applicable specialized classification
- Large-scale mechanized fence installation using heavy equipment beyond hand methods, evaluated under the applicable classification
- Concrete flatwork performed as a primary, separate service — see code 5221
- Landscaping performed as the primary service alongside fence installation — see code 0042
Businesses that typically carry 6400
- Residential fence installation contractors
- Commercial fencing contractors
- Fence repair and replacement companies
- Small, owner-operated contracting businesses
- Regional trade contracting companies
- Subcontractors working for general contractors
- Design-build contracting firms
Common misclassifications
Code 0042
Fence installation is sometimes bundled into a broader landscaping classification instead of being evaluated under its own dedicated fencing code.
Code 5022
Fence contractors installing masonry or block fence posts and pillars at scale can blend fence installation with masonry exposure that needs separate evaluation.
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What drives the cost of code 6400
- 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 6400 fits
Quote class code 6400.
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 6400 questions
Does this code cover different fence materials, or just one type?
It covers metal, vinyl, wood, and prefabricated concrete panel fencing installed by hand under one classification.
What about installing an automatic gate opener?
Electronic gate automation and access control installation is typically evaluated under a different, more specialized classification.
Does this cover fence repair, not just new installation?
Yes, fence repair and replacement work is included in this classification.
Is post hole digging a significant part of the exposure for this class?
Yes, digging and setting posts is a core, physically demanding part of the work this classification is built around.
Last reviewed · Reviewed by Provident Financial Group licensed agents