What Are Workers’ Comp Class Codes & How They Affect Your Cost<\/title>\n<meta name=\"description\" content=\"Workers' comp class codes are 4-digit NCCI codes that set your rate per $100 of payroll based on job risk. Learn how they're assigned, how they drive premium, and how to avoid overpaying.\">\n<style>\nh1{font-size:30px;line-height:1.25}h2{font-size:22px;margin-top:34px}h3{font-size:17px}\n.direct-answer{background:#f2f3f7;border-left:4px solid #6c5ce7;padding:14px 18px;font-size:18px}\n.cta{background:#eaf7dd;border:1px solid #7bc043;border-radius:10px;padding:16px 20px;margin:26px 0}\n.cta strong{display:block;font-size:18px;margin-bottom:4px}\n.disclaimer{font-size:13px;color:#555;border-top:1px solid #dfe2ec;margin-top:40px;padding-top:14px;font-style:italic}\n.faq h3{margin-bottom:2px}\ntable{border-collapse:collapse;width:100%;margin:18px 0}th,td{border:1px solid #dfe2ec;padding:8px 10px;text-align:left;font-size:15px}th{background:#1f2a44;color:#fff}\na{color:#6c5ce7}\n<\/style>\n<\/head>\n<body>\n\n<p class=\"direct-answer\">A workers’ comp class code is a four-digit number, assigned by the National Council on Compensation Insurance (NCCI), that categorizes a type of work by its injury risk. Each code carries a rate per $100 of payroll, and that rate is the single biggest driver of your premium after payroll itself. In Florida, NCCI files the rates and the Office of Insurance Regulation approves them. Get your codes wrong and you’ll either overpay for years or face a surprise bill at audit.<\/p>\n\n<p>Two businesses with identical payroll can pay wildly different workers’ comp premiums, sometimes by a factor of 50 or more. The reason almost always comes down to class codes. Understanding how they work is the first step to making sure you’re not paying for risk you don’t actually carry.<\/p>\n\n<h2>What is a workers’ comp class code?<\/h2>\n<p>Class codes exist because insurers price risk, and a roofer climbing on a steep slope is a very different risk than a bookkeeper at a desk. NCCI maintains the classification system and assigns each type of work a four-digit code with an associated rate. The rate reflects the historical injury frequency and severity for that kind of work. A clerical code in Florida might sit around $0.10\u2013$0.17 per $100 of payroll, while roofing is one of the highest-rated codes in the entire manual.<\/p>\n<p>The codes are standardized, but the rates are state-specific. In Florida, NCCI files proposed rates and the Office of Insurance Regulation reviews and approves them; for 2026, the state approved an average statewide rate decrease of about 6.9%, though that’s market context, not a guarantee your specific premium drops by that amount.<\/p>\n\n<h2>How are class codes assigned?<\/h2>\n<p>The key principle catches many owners off guard: <strong>class codes are based on the work an employee actually does, not their job title.<\/strong> A “project manager” who spends time on a job site can be classified into a higher-risk construction code rather than a clerical one.<\/p>\n<p>A few rules shape how this plays out:<\/p>\n<ul>\n<li><strong>Governing class code.<\/strong> Most businesses have one primary code, the non-clerical classification that generates the largest share of payroll, which describes the core operation.<\/li>\n<li><strong>Standard exception codes.<\/strong> Certain roles, like 100% office-based clerical staff and outside salespeople, can be split out into their own low-rate codes if their duties truly stay separate.<\/li>\n<li><strong>Mixed duties default to the highest rate.<\/strong> If a worker performs multiple jobs and you can’t cleanly separate the payroll with proper records, insurers will often apply the highest-rated classification to all of that worker’s pay. That’s an expensive default to fall into.<\/li>\n<\/ul>\n\n<h2>How class codes drive your premium<\/h2>\n<p>The core formula is straightforward: <strong>(class rate \u00f7 100) \u00d7 annual payroll \u00d7 experience modifier = premium<\/strong>, before account-specific credits, minimums, and audit adjustments. We walk through the full calculation in our guide to <a href=\"https:\/\/peopaygo.com\/es\/2022\/05\/23\/how-to-calculate-workers-comp-cost-per-employee\/\">c\u00f3mo se calcula el costo del seguro de compensaci\u00f3n para trabajadores por empleado<\/a>.<\/p>\n<p>The spread between codes is enormous. Consider two Florida businesses, each with $200,000 of payroll:<\/p>\n<table>\n<tr><th>Empresas<\/th><th>Illustrative rate \/ $100<\/th><th>Rough base premium<\/th><\/tr>\n<tr><td>Accounting office (clerical)<\/td><td>~$0.15<\/td><td>~$300<\/td><\/tr>\n<tr><td>Roofing crew (code 5551)<\/td><td>~$15<\/td><td>~$30,000<\/td><\/tr>\n<\/table>\n<p>Same payroll, a hundredfold difference in premium, entirely because of the class code. (These figures are illustrative; actual rates depend on the carrier, your experience modifier, and current filings.)<\/p>\n\n<div class=\"cta\">\n<strong>Want your real number instead of an estimate?<\/strong>\nGet a fast, no-obligation pay-as-you-go workers’ comp quote and see your premium based on your actual class codes and payroll.\n<a href=\"https:\/\/peopaygo.com\/es\/get-rate-exchange-blogs\/u\/step-1\/\">Obtener una cotizaci\u00f3n<\/a>\n<\/div>\n\n<h2>Why correct classification matters so much<\/h2>\n<p>Misclassification cuts both ways. Land in a higher code than your work warrants and you overpay, sometimes for years before anyone notices. Land in a lower code than you should, and the gap surfaces at your annual audit, where the carrier reconciles your estimated payroll against actual work performed and bills you for the difference, often with penalties. Our overview of <a href=\"https:\/\/peopaygo.com\/es\/2022\/03\/11\/everything-you-need-to-know-about-workers-comp-audit\/\">how the workers’ comp audit works<\/a> explains exactly how that reconciliation happens.<\/p>\n<p>There’s a subcontractor trap, too: if you hire subs who can’t show their own coverage, their payroll can be added to yours at audit and rated at <em>your<\/em> governing class code. For a roofer, that means uninsured subcontractor labor gets charged at the roofing rate.<\/p>\n\n<h2>How to keep your class codes working for you<\/h2>\n<ul>\n<li><strong>Segregate payroll.<\/strong> Keep clean records separating genuinely clerical or lower-risk roles so they can be rated in their own codes rather than swept into your high-risk governing code.<\/li>\n<li><strong>Document duties accurately.<\/strong> Job descriptions and payroll records that reflect what people actually do protect you at audit.<\/li>\n<li><strong>Collect subcontractor certificates.<\/strong> Always get current proof of coverage from subs so their payroll isn’t added to yours.<\/li>\n<li><strong>Review your codes annually.<\/strong> Operations change; your classifications should keep up.<\/li>\n<\/ul>\n\n<div class=\"cta\">\n<strong>Not sure your business is classified correctly?<\/strong>\nA PEOPAYGO specialist can review your class codes and payroll setup, with pay-as-you-go billing that adjusts as your team changes.\n<a href=\"https:\/\/peopaygo.com\/es\/get-rate-exchange-blogs\/u\/step-1\/\">Habla con un especialista<\/a>\n<\/div>\n\n<div class=\"faq\">\n<h2>Preguntas Frecuentes<\/h2>\n<h3>What is a workers’ comp class code?<\/h3>\n<p>A four-digit NCCI code that categorizes a type of work by injury risk and sets the rate per $100 of payroll used to calculate your premium.<\/p>\n<h3>Who assigns class codes?<\/h3>\n<p>NCCI maintains the classification system. In Florida, NCCI files the rates and the Office of Insurance Regulation approves them; carriers then apply the approved rates.<\/p>\n<h3>Are class codes based on job title?<\/h3>\n<p>No. They’re based on the work an employee actually performs. A title like “manager” doesn’t determine the code, the duties do.<\/p>\n<h3>What happens if I’m in the wrong class code?<\/h3>\n<p>You may overpay if your code is too high, or face back-premium and penalties at audit if it’s too low. Correct classification protects you both ways.<\/p>\n<h3>Can I have more than one class code?<\/h3>\n<p>Yes. Many businesses have a governing code plus separate codes for clerical or other distinct roles, provided payroll is properly segregated and documented.<\/p>\n<\/div>\n\n<p class=\"disclaimer\">This article is for general informational purposes only and does not constitute legal, financial, or insurance advice. Workers’ compensation class codes and rates are filed by NCCI, approved by state regulators, and change over time; the figures here are illustrative. Confirm your classifications and current rates with a licensed insurance professional or the Florida Office of Insurance Regulation.<\/p>\n\n<\/body>\n<\/html>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>What Are Workers’ Comp Class Codes & How They Affect Your Cost A workers’ comp class code is a four-digit number, assigned by the National Council on Compensation Insurance (NCCI), that categorizes a type of work by its injury risk. Each code carries a rate per $100 of payroll, and that rate is the single … <a href=\"https:\/\/peopaygo.com\/es\/2026\/07\/24\/what-are-workers-comp-class-codes-how-they-affect-your-cost\/\">Contin\u00faa en<\/a><\/p>","protected":false},"author":10,"featured_media":18667,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[20],"tags":[],"class_list":["post-18665","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-workers-comp"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t<meta name=\"description\" content=\"What Are Workers\u2019 Comp Class Codes & How They Affect Your Cost A workers\u2019 comp class code is a four-digit number, assigned by the National Council on Compensation Insurance (NCCI), that categorizes a type of work by its injury risk. Each code carries a rate per $100 of payroll, and that rate is the single\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"author\" content=\"yiseth kamell\"\/>\n\t<link rel=\"canonical\" href=\"https:\/\/peopaygo.com\/es\/2026\/07\/24\/what-are-workers-comp-class-codes-how-they-affect-your-cost\/\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO Pro (AIOSEO) 4.9.10\" \/>\n\t\t<meta property=\"og:locale\" content=\"es_ES\" \/>\n\t\t<meta property=\"og:site_name\" content=\"PEOPayGo - Workers Comp and Payroll Services for High-Risk\" \/>\n\t\t<meta property=\"og:type\" content=\"article\" \/>\n\t\t<meta property=\"og:title\" content=\"What Are Workers\u2019 Comp Class Codes & How They Affect Your Cost\" \/>\n\t\t<meta property=\"og:description\" content=\"What Are Workers\u2019 Comp Class Codes & How They Affect Your Cost A workers\u2019 comp class code is a four-digit number, assigned by the National Council on Compensation Insurance (NCCI), that categorizes a type of work by its injury risk. Each code carries a rate per $100 of payroll, and that rate is the single\" \/>\n\t\t<meta property=\"og:url\" content=\"https:\/\/peopaygo.com\/es\/2026\/07\/24\/what-are-workers-comp-class-codes-how-they-affect-your-cost\/\" \/>\n\t\t<meta property=\"article:published_time\" content=\"2026-07-24T22:18:22+00:00\" \/>\n\t\t<meta property=\"article:modified_time\" content=\"2026-07-24T22:18:40+00:00\" \/>\n\t\t<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/peo.pay.go\" \/>\n\t\t<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n\t\t<meta name=\"twitter:title\" content=\"What Are Workers\u2019 Comp Class Codes & How They Affect Your Cost\" \/>\n\t\t<meta name=\"twitter:description\" content=\"What Are Workers\u2019 Comp Class Codes & How They Affect Your Cost A workers\u2019 comp class code is a four-digit number, assigned by the National Council on Compensation Insurance (NCCI), that categorizes a type of work by its injury risk. Each code carries a rate per $100 of payroll, and that rate is the single\" \/>\n\t\t<script type=\"application\/ld+json\" class=\"aioseo-schema\">\n\t\t\t{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"BlogPosting\",\"@id\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/2026\\\/07\\\/24\\\/what-are-workers-comp-class-codes-how-they-affect-your-cost\\\/#blogposting\",\"name\":\"What Are Workers\\u2019 Comp Class Codes & How They Affect Your Cost\",\"headline\":\"What Are Workers’ Comp Class Codes & How They Affect Your Cost\",\"author\":{\"@id\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/author\\\/yiseth\\\/#author\"},\"publisher\":{\"@id\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/#organization\"},\"image\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/peopaygo.com\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/What-Are-Workers-Comp-Class-Codes.png\",\"width\":650,\"height\":450,\"caption\":\"Clipboard shows Workers' Comp class codes and risk levels with cost impact, on a desk with a calculator and a 'Safety First' hard hat nearby.\"},\"datePublished\":\"2026-07-24T18:18:22-04:00\",\"dateModified\":\"2026-07-24T18:18:40-04:00\",\"inLanguage\":\"es-ES\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/2026\\\/07\\\/24\\\/what-are-workers-comp-class-codes-how-they-affect-your-cost\\\/#webpage\"},\"isPartOf\":{\"@id\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/2026\\\/07\\\/24\\\/what-are-workers-comp-class-codes-how-they-affect-your-cost\\\/#webpage\"},\"articleSection\":\"Workers Comp\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/2026\\\/07\\\/24\\\/what-are-workers-comp-class-codes-how-they-affect-your-cost\\\/#breadcrumblist\",\"itemListElement\":[{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/peopaygo.com\\\/es#listItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/peopaygo.com\\\/es\",\"nextItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/category\\\/workers-comp\\\/#listItem\",\"name\":\"Workers Comp\"}},{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/category\\\/workers-comp\\\/#listItem\",\"position\":2,\"name\":\"Workers Comp\",\"item\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/category\\\/workers-comp\\\/\",\"nextItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/2026\\\/07\\\/24\\\/what-are-workers-comp-class-codes-how-they-affect-your-cost\\\/#listItem\",\"name\":\"What Are Workers’ Comp Class Codes & How They Affect Your Cost\"},\"previousItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/peopaygo.com\\\/es#listItem\",\"name\":\"Home\"}},{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/2026\\\/07\\\/24\\\/what-are-workers-comp-class-codes-how-they-affect-your-cost\\\/#listItem\",\"position\":3,\"name\":\"What Are Workers’ Comp Class Codes & How They Affect Your Cost\",\"previousItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/category\\\/workers-comp\\\/#listItem\",\"name\":\"Workers Comp\"}}]},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/#organization\",\"name\":\"PEOPayGO\",\"description\":\"Workers Comp and Payroll Services for High-Risk\",\"url\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/peopaygo.com\\\/wp-content\\\/uploads\\\/2023\\\/03\\\/logo-2.png\",\"@id\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/2026\\\/07\\\/24\\\/what-are-workers-comp-class-codes-how-they-affect-your-cost\\\/#organizationLogo\",\"width\":1635,\"height\":299},\"image\":{\"@id\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/2026\\\/07\\\/24\\\/what-are-workers-comp-class-codes-how-they-affect-your-cost\\\/#organizationLogo\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/peo.pay.go\",\"https:\\\/\\\/instagram.com\\\/peo.pay.go\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/peopaygo\\\/\"],\"address\":{\"@id\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/#postaladdress\",\"@type\":\"PostalAddress\",\"streetAddress\":\"225 E Dania Beach Blvd #120\",\"postalCode\":\"33004\",\"addressLocality\":\"Dania Beach\",\"addressRegion\":\"Florida\",\"addressCountry\":\"US\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/author\\\/yiseth\\\/#author\",\"url\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/author\\\/yiseth\\\/\",\"name\":\"yiseth kamell\",\"image\":{\"@type\":\"ImageObject\",\"@id\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/2026\\\/07\\\/24\\\/what-are-workers-comp-class-codes-how-they-affect-your-cost\\\/#authorImage\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/97dd3cc2482d7a16f102ed36c215c37cf9318dae4f7009c5517eca744f315413?s=96&d=mm&r=g\",\"width\":96,\"height\":96,\"caption\":\"yiseth kamell\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/2026\\\/07\\\/24\\\/what-are-workers-comp-class-codes-how-they-affect-your-cost\\\/#webpage\",\"url\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/2026\\\/07\\\/24\\\/what-are-workers-comp-class-codes-how-they-affect-your-cost\\\/\",\"name\":\"What Are Workers\\u2019 Comp Class Codes & How They Affect Your Cost\",\"description\":\"What Are Workers\\u2019 Comp Class Codes & How They Affect Your Cost A workers\\u2019 comp class code is a four-digit number, assigned by the National Council on Compensation Insurance (NCCI), that categorizes a type of work by its injury risk. Each code carries a rate per $100 of payroll, and that rate is the single\",\"inLanguage\":\"es-ES\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/#website\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/2026\\\/07\\\/24\\\/what-are-workers-comp-class-codes-how-they-affect-your-cost\\\/#breadcrumblist\"},\"author\":{\"@id\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/author\\\/yiseth\\\/#author\"},\"creator\":{\"@id\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/author\\\/yiseth\\\/#author\"},\"image\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/peopaygo.com\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/What-Are-Workers-Comp-Class-Codes.png\",\"@id\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/2026\\\/07\\\/24\\\/what-are-workers-comp-class-codes-how-they-affect-your-cost\\\/#mainImage\",\"width\":650,\"height\":450,\"caption\":\"Clipboard shows Workers' Comp class codes and risk levels with cost impact, on a desk with a calculator and a 'Safety First' hard hat nearby.\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/2026\\\/07\\\/24\\\/what-are-workers-comp-class-codes-how-they-affect-your-cost\\\/#mainImage\"},\"datePublished\":\"2026-07-24T18:18:22-04:00\",\"dateModified\":\"2026-07-24T18:18:40-04:00\"},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/#website\",\"url\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/\",\"name\":\"PEOPayGO\",\"description\":\"Workers Comp and Payroll Services for High-Risk\",\"inLanguage\":\"es-ES\",\"publisher\":{\"@id\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/#organization\"}}]}\n\t\t<\/script>\n\t\t\r\n\t\t<title>What Are Workers\u2019 Comp Class Codes & How They Affect Your Cost<\/title>\n\n","aioseo_head_json":{"title":"\u00bfQu\u00e9 son los c\u00f3digos de clase de compensaci\u00f3n para trabajadores y c\u00f3mo afectan su costo?","description":"What Are Workers\u2019 Comp Class Codes & How They Affect Your Cost A workers\u2019 comp class code is a four-digit number, assigned by the National Council on Compensation Insurance (NCCI), that categorizes a type of work by its injury risk. Each code carries a rate per $100 of payroll, and that rate is the single","canonical_url":"https:\/\/peopaygo.com\/es\/2026\/07\/24\/what-are-workers-comp-class-codes-how-they-affect-your-cost\/","robots":"max-image-preview:large","keywords":"","webmasterTools":{"miscellaneous":""},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"BlogPosting","@id":"https:\/\/peopaygo.com\/es\/2026\/07\/24\/what-are-workers-comp-class-codes-how-they-affect-your-cost\/#blogposting","name":"What Are Workers\u2019 Comp Class Codes & How They Affect Your Cost","headline":"What Are Workers’ Comp Class Codes & How They Affect Your Cost","author":{"@id":"https:\/\/peopaygo.com\/es\/author\/yiseth\/#author"},"publisher":{"@id":"https:\/\/peopaygo.com\/es\/#organization"},"image":{"@type":"ImageObject","url":"https:\/\/peopaygo.com\/wp-content\/uploads\/2026\/07\/What-Are-Workers-Comp-Class-Codes.png","width":650,"height":450,"caption":"Clipboard shows Workers' Comp class codes and risk levels with cost impact, on a desk with a calculator and a 'Safety First' hard hat nearby."},"datePublished":"2026-07-24T18:18:22-04:00","dateModified":"2026-07-24T18:18:40-04:00","inLanguage":"es-ES","mainEntityOfPage":{"@id":"https:\/\/peopaygo.com\/es\/2026\/07\/24\/what-are-workers-comp-class-codes-how-they-affect-your-cost\/#webpage"},"isPartOf":{"@id":"https:\/\/peopaygo.com\/es\/2026\/07\/24\/what-are-workers-comp-class-codes-how-they-affect-your-cost\/#webpage"},"articleSection":"Workers Comp"},{"@type":"BreadcrumbList","@id":"https:\/\/peopaygo.com\/es\/2026\/07\/24\/what-are-workers-comp-class-codes-how-they-affect-your-cost\/#breadcrumblist","itemListElement":[{"@type":"ListItem","@id":"https:\/\/peopaygo.com\/es#listItem","position":1,"name":"Home","item":"https:\/\/peopaygo.com\/es","nextItem":{"@type":"ListItem","@id":"https:\/\/peopaygo.com\/es\/category\/workers-comp\/#listItem","name":"Workers Comp"}},{"@type":"ListItem","@id":"https:\/\/peopaygo.com\/es\/category\/workers-comp\/#listItem","position":2,"name":"Workers Comp","item":"https:\/\/peopaygo.com\/es\/category\/workers-comp\/","nextItem":{"@type":"ListItem","@id":"https:\/\/peopaygo.com\/es\/2026\/07\/24\/what-are-workers-comp-class-codes-how-they-affect-your-cost\/#listItem","name":"What Are Workers’ Comp Class Codes & How They Affect Your Cost"},"previousItem":{"@type":"ListItem","@id":"https:\/\/peopaygo.com\/es#listItem","name":"Home"}},{"@type":"ListItem","@id":"https:\/\/peopaygo.com\/es\/2026\/07\/24\/what-are-workers-comp-class-codes-how-they-affect-your-cost\/#listItem","position":3,"name":"What Are Workers’ Comp Class Codes & How They Affect Your Cost","previousItem":{"@type":"ListItem","@id":"https:\/\/peopaygo.com\/es\/category\/workers-comp\/#listItem","name":"Workers Comp"}}]},{"@type":"Organization","@id":"https:\/\/peopaygo.com\/es\/#organization","name":"PEOPayGO","description":"Workers Comp and Payroll Services for High-Risk","url":"https:\/\/peopaygo.com\/es\/","logo":{"@type":"ImageObject","url":"https:\/\/peopaygo.com\/wp-content\/uploads\/2023\/03\/logo-2.png","@id":"https:\/\/peopaygo.com\/es\/2026\/07\/24\/what-are-workers-comp-class-codes-how-they-affect-your-cost\/#organizationLogo","width":1635,"height":299},"image":{"@id":"https:\/\/peopaygo.com\/es\/2026\/07\/24\/what-are-workers-comp-class-codes-how-they-affect-your-cost\/#organizationLogo"},"sameAs":["https:\/\/www.facebook.com\/peo.pay.go","https:\/\/instagram.com\/peo.pay.go","https:\/\/www.linkedin.com\/company\/peopaygo\/"],"address":{"@id":"https:\/\/peopaygo.com\/es\/#postaladdress","@type":"PostalAddress","streetAddress":"225 E Dania Beach Blvd #120","postalCode":"33004","addressLocality":"Dania Beach","addressRegion":"Florida","addressCountry":"US"}},{"@type":"Person","@id":"https:\/\/peopaygo.com\/es\/author\/yiseth\/#author","url":"https:\/\/peopaygo.com\/es\/author\/yiseth\/","name":"yiseth kamell","image":{"@type":"ImageObject","@id":"https:\/\/peopaygo.com\/es\/2026\/07\/24\/what-are-workers-comp-class-codes-how-they-affect-your-cost\/#authorImage","url":"https:\/\/secure.gravatar.com\/avatar\/97dd3cc2482d7a16f102ed36c215c37cf9318dae4f7009c5517eca744f315413?s=96&d=mm&r=g","width":96,"height":96,"caption":"yiseth kamell"}},{"@type":"WebPage","@id":"https:\/\/peopaygo.com\/es\/2026\/07\/24\/what-are-workers-comp-class-codes-how-they-affect-your-cost\/#webpage","url":"https:\/\/peopaygo.com\/es\/2026\/07\/24\/what-are-workers-comp-class-codes-how-they-affect-your-cost\/","name":"What Are Workers\u2019 Comp Class Codes & How They Affect Your Cost","description":"What Are Workers\u2019 Comp Class Codes & How They Affect Your Cost A workers\u2019 comp class code is a four-digit number, assigned by the National Council on Compensation Insurance (NCCI), that categorizes a type of work by its injury risk. Each code carries a rate per $100 of payroll, and that rate is the single","inLanguage":"es-ES","isPartOf":{"@id":"https:\/\/peopaygo.com\/es\/#website"},"breadcrumb":{"@id":"https:\/\/peopaygo.com\/es\/2026\/07\/24\/what-are-workers-comp-class-codes-how-they-affect-your-cost\/#breadcrumblist"},"author":{"@id":"https:\/\/peopaygo.com\/es\/author\/yiseth\/#author"},"creator":{"@id":"https:\/\/peopaygo.com\/es\/author\/yiseth\/#author"},"image":{"@type":"ImageObject","url":"https:\/\/peopaygo.com\/wp-content\/uploads\/2026\/07\/What-Are-Workers-Comp-Class-Codes.png","@id":"https:\/\/peopaygo.com\/es\/2026\/07\/24\/what-are-workers-comp-class-codes-how-they-affect-your-cost\/#mainImage","width":650,"height":450,"caption":"Clipboard shows Workers' Comp class codes and risk levels with cost impact, on a desk with a calculator and a 'Safety First' hard hat nearby."},"primaryImageOfPage":{"@id":"https:\/\/peopaygo.com\/es\/2026\/07\/24\/what-are-workers-comp-class-codes-how-they-affect-your-cost\/#mainImage"},"datePublished":"2026-07-24T18:18:22-04:00","dateModified":"2026-07-24T18:18:40-04:00"},{"@type":"WebSite","@id":"https:\/\/peopaygo.com\/es\/#website","url":"https:\/\/peopaygo.com\/es\/","name":"PEOPayGO","description":"Workers Comp and Payroll Services for High-Risk","inLanguage":"es-ES","publisher":{"@id":"https:\/\/peopaygo.com\/es\/#organization"}}]},"og:locale":"es_ES","og:site_name":"PEOPayGo - Workers Comp and Payroll Services for High-Risk","og:type":"article","og:title":"What Are Workers\u2019 Comp Class Codes & How They Affect Your Cost","og:description":"What Are Workers\u2019 Comp Class Codes & How They Affect Your Cost A workers\u2019 comp class code is a four-digit number, assigned by the National Council on Compensation Insurance (NCCI), that categorizes a type of work by its injury risk. Each code carries a rate per $100 of payroll, and that rate is the single","og:url":"https:\/\/peopaygo.com\/es\/2026\/07\/24\/what-are-workers-comp-class-codes-how-they-affect-your-cost\/","article:published_time":"2026-07-24T22:18:22+00:00","article:modified_time":"2026-07-24T22:18:40+00:00","article:publisher":"https:\/\/www.facebook.com\/peo.pay.go","twitter:card":"summary_large_image","twitter:title":"What Are Workers\u2019 Comp Class Codes & How They Affect Your Cost","twitter:description":"What Are Workers\u2019 Comp Class Codes & How They Affect Your Cost A workers\u2019 comp class code is a four-digit number, assigned by the National Council on Compensation Insurance (NCCI), that categorizes a type of work by its injury risk. Each code carries a rate per $100 of payroll, and that rate is the single"},"aioseo_meta_data":{"post_id":"18665","title":"#t\u00edtulo de la entrada","description":null,"keywords":null,"keyphrases":{"focus":{"keyphrase":"","score":0,"analysis":{"keyphraseInTitle":{"score":0,"maxScore":9,"error":1}}},"additional":[]},"primary_term":null,"canonical_url":null,"og_title":null,"og_description":null,"og_object_type":"default","og_image_type":"default","og_image_url":null,"og_image_width":null,"og_image_height":null,"og_image_custom_url":null,"og_image_custom_fields":null,"og_video":"","og_custom_url":null,"og_article_section":null,"og_article_tags":null,"twitter_use_og":false,"twitter_card":"default","twitter_image_type":"default","twitter_image_url":null,"twitter_image_custom_url":null,"twitter_image_custom_fields":null,"twitter_title":null,"twitter_description":null,"schema":{"blockGraphs":[],"customGraphs":[],"default":{"data":{"Article":[],"Course":[],"Dataset":[],"FAQPage":[],"Movie":[],"Person":[],"Product":[],"ProductReview":[],"Car":[],"Recipe":[],"Service":[],"SoftwareApplication":[],"WebPage":[]},"graphName":"BlogPosting","isEnabled":true},"graphs":[]},"schema_type":"default","schema_type_options":null,"pillar_content":false,"robots_default":true,"robots_noindex":false,"robots_noarchive":false,"robots_nosnippet":false,"robots_nofollow":false,"robots_noimageindex":false,"robots_noodp":false,"robots_notranslate":false,"robots_max_snippet":"-1","robots_max_videopreview":"-1","robots_max_imagepreview":"large","priority":null,"frequency":"default","local_seo":null,"seo_analyzer_scan_date":"2026-07-24 22:19:19","breadcrumb_settings":null,"limit_modified_date":false,"open_ai":null,"ai":{"faqs":[],"keyPoints":[],"schemas":[],"titles":[],"descriptions":[],"socialPosts":{"email":{"subject":"","preview":"","content":""},"linkedin":[],"twitter":[],"facebook":[],"instagram":[]}},"created":"2026-07-24 22:17:22","updated":"2026-07-24 22:30:42"},"aioseo_breadcrumb":"<div class=\"aioseo-breadcrumbs\"><span class=\"aioseo-breadcrumb\">\n\t<a href=\"https:\/\/peopaygo.com\/es\" title=\"Home\">Home<\/a>\n<\/span><span class=\"aioseo-breadcrumb-separator\">»<\/span><span class=\"aioseo-breadcrumb\">\n\t<a href=\"https:\/\/peopaygo.com\/es\/category\/workers-comp\/\" title=\"Workers Comp\">Workers Comp<\/a>\n<\/span><span class=\"aioseo-breadcrumb-separator\">»<\/span><span class=\"aioseo-breadcrumb\">\n\tWhat Are Workers\u2019 Comp Class Codes & How They Affect Your Cost\n<\/span><\/div>","aioseo_breadcrumb_json":[{"label":"Home","link":"https:\/\/peopaygo.com\/es"},{"label":"Workers Comp","link":"https:\/\/peopaygo.com\/es\/category\/workers-comp\/"},{"label":"What Are Workers’ Comp Class Codes & How They Affect Your Cost","link":"https:\/\/peopaygo.com\/es\/2026\/07\/24\/what-are-workers-comp-class-codes-how-they-affect-your-cost\/"}],"_links":{"self":[{"href":"https:\/\/peopaygo.com\/es\/wp-json\/wp\/v2\/posts\/18665","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/peopaygo.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/peopaygo.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/peopaygo.com\/es\/wp-json\/wp\/v2\/users\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/peopaygo.com\/es\/wp-json\/wp\/v2\/comments?post=18665"}],"version-history":[{"count":4,"href":"https:\/\/peopaygo.com\/es\/wp-json\/wp\/v2\/posts\/18665\/revisions"}],"predecessor-version":[{"id":18670,"href":"https:\/\/peopaygo.com\/es\/wp-json\/wp\/v2\/posts\/18665\/revisions\/18670"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/peopaygo.com\/es\/wp-json\/wp\/v2\/media\/18667"}],"wp:attachment":[{"href":"https:\/\/peopaygo.com\/es\/wp-json\/wp\/v2\/media?parent=18665"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/peopaygo.com\/es\/wp-json\/wp\/v2\/categories?post=18665"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/peopaygo.com\/es\/wp-json\/wp\/v2\/tags?post=18665"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}

\n\t\t\t\t

\n\t\t\t\t\t

\n\t\t\t\t

\n\t\t\t\t\t\t\t\t\t\n\n\n\n\nWhat Are Workers’ Comp Class Codes & How They Affect Your Cost<\/title>\n<meta name=\"description\" content=\"Workers' comp class codes are 4-digit NCCI codes that set your rate per $100 of payroll based on job risk. Learn how they're assigned, how they drive premium, and how to avoid overpaying.\">\n<style>\nh1{font-size:30px;line-height:1.25}h2{font-size:22px;margin-top:34px}h3{font-size:17px}\n.direct-answer{background:#f2f3f7;border-left:4px solid #6c5ce7;padding:14px 18px;font-size:18px}\n.cta{background:#eaf7dd;border:1px solid #7bc043;border-radius:10px;padding:16px 20px;margin:26px 0}\n.cta strong{display:block;font-size:18px;margin-bottom:4px}\n.disclaimer{font-size:13px;color:#555;border-top:1px solid #dfe2ec;margin-top:40px;padding-top:14px;font-style:italic}\n.faq h3{margin-bottom:2px}\ntable{border-collapse:collapse;width:100%;margin:18px 0}th,td{border:1px solid #dfe2ec;padding:8px 10px;text-align:left;font-size:15px}th{background:#1f2a44;color:#fff}\na{color:#6c5ce7}\n<\/style>\n<\/head>\n<body>\n\n<p class=\"direct-answer\">A workers’ comp class code is a four-digit number, assigned by the National Council on Compensation Insurance (NCCI), that categorizes a type of work by its injury risk. Each code carries a rate per $100 of payroll, and that rate is the single biggest driver of your premium after payroll itself. In Florida, NCCI files the rates and the Office of Insurance Regulation approves them. Get your codes wrong and you’ll either overpay for years or face a surprise bill at audit.<\/p>\n\n<p>Two businesses with identical payroll can pay wildly different workers’ comp premiums, sometimes by a factor of 50 or more. The reason almost always comes down to class codes. Understanding how they work is the first step to making sure you’re not paying for risk you don’t actually carry.<\/p>\n\n<h2>What is a workers’ comp class code?<\/h2>\n<p>Class codes exist because insurers price risk, and a roofer climbing on a steep slope is a very different risk than a bookkeeper at a desk. NCCI maintains the classification system and assigns each type of work a four-digit code with an associated rate. The rate reflects the historical injury frequency and severity for that kind of work. A clerical code in Florida might sit around $0.10\u2013$0.17 per $100 of payroll, while roofing is one of the highest-rated codes in the entire manual.<\/p>\n<p>The codes are standardized, but the rates are state-specific. In Florida, NCCI files proposed rates and the Office of Insurance Regulation reviews and approves them; for 2026, the state approved an average statewide rate decrease of about 6.9%, though that’s market context, not a guarantee your specific premium drops by that amount.<\/p>\n\n<h2>How are class codes assigned?<\/h2>\n<p>The key principle catches many owners off guard: <strong>class codes are based on the work an employee actually does, not their job title.<\/strong> A “project manager” who spends time on a job site can be classified into a higher-risk construction code rather than a clerical one.<\/p>\n<p>A few rules shape how this plays out:<\/p>\n<ul>\n<li><strong>Governing class code.<\/strong> Most businesses have one primary code, the non-clerical classification that generates the largest share of payroll, which describes the core operation.<\/li>\n<li><strong>Standard exception codes.<\/strong> Certain roles, like 100% office-based clerical staff and outside salespeople, can be split out into their own low-rate codes if their duties truly stay separate.<\/li>\n<li><strong>Mixed duties default to the highest rate.<\/strong> If a worker performs multiple jobs and you can’t cleanly separate the payroll with proper records, insurers will often apply the highest-rated classification to all of that worker’s pay. That’s an expensive default to fall into.<\/li>\n<\/ul>\n\n<h2>How class codes drive your premium<\/h2>\n<p>The core formula is straightforward: <strong>(class rate \u00f7 100) \u00d7 annual payroll \u00d7 experience modifier = premium<\/strong>, before account-specific credits, minimums, and audit adjustments. We walk through the full calculation in our guide to <a href=\"https:\/\/peopaygo.com\/es\/2022\/05\/23\/how-to-calculate-workers-comp-cost-per-employee\/\">c\u00f3mo se calcula el costo del seguro de compensaci\u00f3n para trabajadores por empleado<\/a>.<\/p>\n<p>The spread between codes is enormous. Consider two Florida businesses, each with $200,000 of payroll:<\/p>\n<table>\n<tr><th>Empresas<\/th><th>Illustrative rate \/ $100<\/th><th>Rough base premium<\/th><\/tr>\n<tr><td>Accounting office (clerical)<\/td><td>~$0.15<\/td><td>~$300<\/td><\/tr>\n<tr><td>Roofing crew (code 5551)<\/td><td>~$15<\/td><td>~$30,000<\/td><\/tr>\n<\/table>\n<p>Same payroll, a hundredfold difference in premium, entirely because of the class code. (These figures are illustrative; actual rates depend on the carrier, your experience modifier, and current filings.)<\/p>\n\n<div class=\"cta\">\n<strong>Want your real number instead of an estimate?<\/strong>\nGet a fast, no-obligation pay-as-you-go workers’ comp quote and see your premium based on your actual class codes and payroll.\n<a href=\"https:\/\/peopaygo.com\/es\/get-rate-exchange-blogs\/u\/step-1\/\">Obtener una cotizaci\u00f3n<\/a>\n<\/div>\n\n<h2>Why correct classification matters so much<\/h2>\n<p>Misclassification cuts both ways. Land in a higher code than your work warrants and you overpay, sometimes for years before anyone notices. Land in a lower code than you should, and the gap surfaces at your annual audit, where the carrier reconciles your estimated payroll against actual work performed and bills you for the difference, often with penalties. Our overview of <a href=\"https:\/\/peopaygo.com\/es\/2022\/03\/11\/everything-you-need-to-know-about-workers-comp-audit\/\">how the workers’ comp audit works<\/a> explains exactly how that reconciliation happens.<\/p>\n<p>There’s a subcontractor trap, too: if you hire subs who can’t show their own coverage, their payroll can be added to yours at audit and rated at <em>your<\/em> governing class code. For a roofer, that means uninsured subcontractor labor gets charged at the roofing rate.<\/p>\n\n<h2>How to keep your class codes working for you<\/h2>\n<ul>\n<li><strong>Segregate payroll.<\/strong> Keep clean records separating genuinely clerical or lower-risk roles so they can be rated in their own codes rather than swept into your high-risk governing code.<\/li>\n<li><strong>Document duties accurately.<\/strong> Job descriptions and payroll records that reflect what people actually do protect you at audit.<\/li>\n<li><strong>Collect subcontractor certificates.<\/strong> Always get current proof of coverage from subs so their payroll isn’t added to yours.<\/li>\n<li><strong>Review your codes annually.<\/strong> Operations change; your classifications should keep up.<\/li>\n<\/ul>\n\n<div class=\"cta\">\n<strong>Not sure your business is classified correctly?<\/strong>\nA PEOPAYGO specialist can review your class codes and payroll setup, with pay-as-you-go billing that adjusts as your team changes.\n<a href=\"https:\/\/peopaygo.com\/es\/get-rate-exchange-blogs\/u\/step-1\/\">Habla con un especialista<\/a>\n<\/div>\n\n<div class=\"faq\">\n<h2>Preguntas Frecuentes<\/h2>\n<h3>What is a workers’ comp class code?<\/h3>\n<p>A four-digit NCCI code that categorizes a type of work by injury risk and sets the rate per $100 of payroll used to calculate your premium.<\/p>\n<h3>Who assigns class codes?<\/h3>\n<p>NCCI maintains the classification system. In Florida, NCCI files the rates and the Office of Insurance Regulation approves them; carriers then apply the approved rates.<\/p>\n<h3>Are class codes based on job title?<\/h3>\n<p>No. They’re based on the work an employee actually performs. A title like “manager” doesn’t determine the code, the duties do.<\/p>\n<h3>What happens if I’m in the wrong class code?<\/h3>\n<p>You may overpay if your code is too high, or face back-premium and penalties at audit if it’s too low. Correct classification protects you both ways.<\/p>\n<h3>Can I have more than one class code?<\/h3>\n<p>Yes. Many businesses have a governing code plus separate codes for clerical or other distinct roles, provided payroll is properly segregated and documented.<\/p>\n<\/div>\n\n<p class=\"disclaimer\">This article is for general informational purposes only and does not constitute legal, financial, or insurance advice. Workers’ compensation class codes and rates are filed by NCCI, approved by state regulators, and change over time; the figures here are illustrative. Confirm your classifications and current rates with a licensed insurance professional or the Florida Office of Insurance Regulation.<\/p>\n\n<\/body>\n<\/html>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>What Are Workers’ Comp Class Codes & How They Affect Your Cost A workers’ comp class code is a four-digit number, assigned by the National Council on Compensation Insurance (NCCI), that categorizes a type of work by its injury risk. Each code carries a rate per $100 of payroll, and that rate is the single … <a href=\"https:\/\/peopaygo.com\/es\/2026\/07\/24\/what-are-workers-comp-class-codes-how-they-affect-your-cost\/\">Contin\u00faa en<\/a><\/p>","protected":false},"author":10,"featured_media":18667,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[20],"tags":[],"class_list":["post-18665","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-workers-comp"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t<meta name=\"description\" content=\"What Are Workers\u2019 Comp Class Codes & How They Affect Your Cost A workers\u2019 comp class code is a four-digit number, assigned by the National Council on Compensation Insurance (NCCI), that categorizes a type of work by its injury risk. Each code carries a rate per $100 of payroll, and that rate is the single\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"author\" content=\"yiseth kamell\"\/>\n\t<link rel=\"canonical\" href=\"https:\/\/peopaygo.com\/es\/2026\/07\/24\/what-are-workers-comp-class-codes-how-they-affect-your-cost\/\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO Pro (AIOSEO) 4.9.10\" \/>\n\t\t<meta property=\"og:locale\" content=\"es_ES\" \/>\n\t\t<meta property=\"og:site_name\" content=\"PEOPayGo - Workers Comp and Payroll Services for High-Risk\" \/>\n\t\t<meta property=\"og:type\" content=\"article\" \/>\n\t\t<meta property=\"og:title\" content=\"What Are Workers\u2019 Comp Class Codes & How They Affect Your Cost\" \/>\n\t\t<meta property=\"og:description\" content=\"What Are Workers\u2019 Comp Class Codes & How They Affect Your Cost A workers\u2019 comp class code is a four-digit number, assigned by the National Council on Compensation Insurance (NCCI), that categorizes a type of work by its injury risk. Each code carries a rate per $100 of payroll, and that rate is the single\" \/>\n\t\t<meta property=\"og:url\" content=\"https:\/\/peopaygo.com\/es\/2026\/07\/24\/what-are-workers-comp-class-codes-how-they-affect-your-cost\/\" \/>\n\t\t<meta property=\"article:published_time\" content=\"2026-07-24T22:18:22+00:00\" \/>\n\t\t<meta property=\"article:modified_time\" content=\"2026-07-24T22:18:40+00:00\" \/>\n\t\t<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/peo.pay.go\" \/>\n\t\t<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n\t\t<meta name=\"twitter:title\" content=\"What Are Workers\u2019 Comp Class Codes & How They Affect Your Cost\" \/>\n\t\t<meta name=\"twitter:description\" content=\"What Are Workers\u2019 Comp Class Codes & How They Affect Your Cost A workers\u2019 comp class code is a four-digit number, assigned by the National Council on Compensation Insurance (NCCI), that categorizes a type of work by its injury risk. Each code carries a rate per $100 of payroll, and that rate is the single\" \/>\n\t\t<script type=\"application\/ld+json\" class=\"aioseo-schema\">\n\t\t\t{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"BlogPosting\",\"@id\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/2026\\\/07\\\/24\\\/what-are-workers-comp-class-codes-how-they-affect-your-cost\\\/#blogposting\",\"name\":\"What Are Workers\\u2019 Comp Class Codes & How They Affect Your Cost\",\"headline\":\"What Are Workers’ Comp Class Codes & How They Affect Your Cost\",\"author\":{\"@id\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/author\\\/yiseth\\\/#author\"},\"publisher\":{\"@id\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/#organization\"},\"image\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/peopaygo.com\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/What-Are-Workers-Comp-Class-Codes.png\",\"width\":650,\"height\":450,\"caption\":\"Clipboard shows Workers' Comp class codes and risk levels with cost impact, on a desk with a calculator and a 'Safety First' hard hat nearby.\"},\"datePublished\":\"2026-07-24T18:18:22-04:00\",\"dateModified\":\"2026-07-24T18:18:40-04:00\",\"inLanguage\":\"es-ES\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/2026\\\/07\\\/24\\\/what-are-workers-comp-class-codes-how-they-affect-your-cost\\\/#webpage\"},\"isPartOf\":{\"@id\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/2026\\\/07\\\/24\\\/what-are-workers-comp-class-codes-how-they-affect-your-cost\\\/#webpage\"},\"articleSection\":\"Workers Comp\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/2026\\\/07\\\/24\\\/what-are-workers-comp-class-codes-how-they-affect-your-cost\\\/#breadcrumblist\",\"itemListElement\":[{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/peopaygo.com\\\/es#listItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/peopaygo.com\\\/es\",\"nextItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/category\\\/workers-comp\\\/#listItem\",\"name\":\"Workers Comp\"}},{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/category\\\/workers-comp\\\/#listItem\",\"position\":2,\"name\":\"Workers Comp\",\"item\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/category\\\/workers-comp\\\/\",\"nextItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/2026\\\/07\\\/24\\\/what-are-workers-comp-class-codes-how-they-affect-your-cost\\\/#listItem\",\"name\":\"What Are Workers’ Comp Class Codes & How They Affect Your Cost\"},\"previousItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/peopaygo.com\\\/es#listItem\",\"name\":\"Home\"}},{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/2026\\\/07\\\/24\\\/what-are-workers-comp-class-codes-how-they-affect-your-cost\\\/#listItem\",\"position\":3,\"name\":\"What Are Workers’ Comp Class Codes & How They Affect Your Cost\",\"previousItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/category\\\/workers-comp\\\/#listItem\",\"name\":\"Workers Comp\"}}]},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/#organization\",\"name\":\"PEOPayGO\",\"description\":\"Workers Comp and Payroll Services for High-Risk\",\"url\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/peopaygo.com\\\/wp-content\\\/uploads\\\/2023\\\/03\\\/logo-2.png\",\"@id\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/2026\\\/07\\\/24\\\/what-are-workers-comp-class-codes-how-they-affect-your-cost\\\/#organizationLogo\",\"width\":1635,\"height\":299},\"image\":{\"@id\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/2026\\\/07\\\/24\\\/what-are-workers-comp-class-codes-how-they-affect-your-cost\\\/#organizationLogo\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/peo.pay.go\",\"https:\\\/\\\/instagram.com\\\/peo.pay.go\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/peopaygo\\\/\"],\"address\":{\"@id\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/#postaladdress\",\"@type\":\"PostalAddress\",\"streetAddress\":\"225 E Dania Beach Blvd #120\",\"postalCode\":\"33004\",\"addressLocality\":\"Dania Beach\",\"addressRegion\":\"Florida\",\"addressCountry\":\"US\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/author\\\/yiseth\\\/#author\",\"url\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/author\\\/yiseth\\\/\",\"name\":\"yiseth kamell\",\"image\":{\"@type\":\"ImageObject\",\"@id\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/2026\\\/07\\\/24\\\/what-are-workers-comp-class-codes-how-they-affect-your-cost\\\/#authorImage\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/97dd3cc2482d7a16f102ed36c215c37cf9318dae4f7009c5517eca744f315413?s=96&d=mm&r=g\",\"width\":96,\"height\":96,\"caption\":\"yiseth kamell\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/2026\\\/07\\\/24\\\/what-are-workers-comp-class-codes-how-they-affect-your-cost\\\/#webpage\",\"url\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/2026\\\/07\\\/24\\\/what-are-workers-comp-class-codes-how-they-affect-your-cost\\\/\",\"name\":\"What Are Workers\\u2019 Comp Class Codes & How They Affect Your Cost\",\"description\":\"What Are Workers\\u2019 Comp Class Codes & How They Affect Your Cost A workers\\u2019 comp class code is a four-digit number, assigned by the National Council on Compensation Insurance (NCCI), that categorizes a type of work by its injury risk. Each code carries a rate per $100 of payroll, and that rate is the single\",\"inLanguage\":\"es-ES\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/#website\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/2026\\\/07\\\/24\\\/what-are-workers-comp-class-codes-how-they-affect-your-cost\\\/#breadcrumblist\"},\"author\":{\"@id\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/author\\\/yiseth\\\/#author\"},\"creator\":{\"@id\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/author\\\/yiseth\\\/#author\"},\"image\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/peopaygo.com\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/What-Are-Workers-Comp-Class-Codes.png\",\"@id\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/2026\\\/07\\\/24\\\/what-are-workers-comp-class-codes-how-they-affect-your-cost\\\/#mainImage\",\"width\":650,\"height\":450,\"caption\":\"Clipboard shows Workers' Comp class codes and risk levels with cost impact, on a desk with a calculator and a 'Safety First' hard hat nearby.\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/2026\\\/07\\\/24\\\/what-are-workers-comp-class-codes-how-they-affect-your-cost\\\/#mainImage\"},\"datePublished\":\"2026-07-24T18:18:22-04:00\",\"dateModified\":\"2026-07-24T18:18:40-04:00\"},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/#website\",\"url\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/\",\"name\":\"PEOPayGO\",\"description\":\"Workers Comp and Payroll Services for High-Risk\",\"inLanguage\":\"es-ES\",\"publisher\":{\"@id\":\"https:\\\/\\\/peopaygo.com\\\/es\\\/#organization\"}}]}\n\t\t<\/script>\n\t\t\r\n\t\t<title>What Are Workers\u2019 Comp Class Codes & How They Affect Your Cost<\/title>\n\n","aioseo_head_json":{"title":"\u00bfQu\u00e9 son los c\u00f3digos de clase de compensaci\u00f3n para trabajadores y c\u00f3mo afectan su costo?","description":"What Are Workers\u2019 Comp Class Codes & How They Affect Your Cost A workers\u2019 comp class code is a four-digit number, assigned by the National Council on Compensation Insurance (NCCI), that categorizes a type of work by its injury risk. Each code carries a rate per $100 of payroll, and that rate is the single","canonical_url":"https:\/\/peopaygo.com\/es\/2026\/07\/24\/what-are-workers-comp-class-codes-how-they-affect-your-cost\/","robots":"max-image-preview:large","keywords":"","webmasterTools":{"miscellaneous":""},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"BlogPosting","@id":"https:\/\/peopaygo.com\/es\/2026\/07\/24\/what-are-workers-comp-class-codes-how-they-affect-your-cost\/#blogposting","name":"What Are Workers\u2019 Comp Class Codes & How They Affect Your Cost","headline":"What Are Workers’ Comp Class Codes & How They Affect Your Cost","author":{"@id":"https:\/\/peopaygo.com\/es\/author\/yiseth\/#author"},"publisher":{"@id":"https:\/\/peopaygo.com\/es\/#organization"},"image":{"@type":"ImageObject","url":"https:\/\/peopaygo.com\/wp-content\/uploads\/2026\/07\/What-Are-Workers-Comp-Class-Codes.png","width":650,"height":450,"caption":"Clipboard shows Workers' Comp class codes and risk levels with cost impact, on a desk with a calculator and a 'Safety First' hard hat nearby."},"datePublished":"2026-07-24T18:18:22-04:00","dateModified":"2026-07-24T18:18:40-04:00","inLanguage":"es-ES","mainEntityOfPage":{"@id":"https:\/\/peopaygo.com\/es\/2026\/07\/24\/what-are-workers-comp-class-codes-how-they-affect-your-cost\/#webpage"},"isPartOf":{"@id":"https:\/\/peopaygo.com\/es\/2026\/07\/24\/what-are-workers-comp-class-codes-how-they-affect-your-cost\/#webpage"},"articleSection":"Workers Comp"},{"@type":"BreadcrumbList","@id":"https:\/\/peopaygo.com\/es\/2026\/07\/24\/what-are-workers-comp-class-codes-how-they-affect-your-cost\/#breadcrumblist","itemListElement":[{"@type":"ListItem","@id":"https:\/\/peopaygo.com\/es#listItem","position":1,"name":"Home","item":"https:\/\/peopaygo.com\/es","nextItem":{"@type":"ListItem","@id":"https:\/\/peopaygo.com\/es\/category\/workers-comp\/#listItem","name":"Workers Comp"}},{"@type":"ListItem","@id":"https:\/\/peopaygo.com\/es\/category\/workers-comp\/#listItem","position":2,"name":"Workers Comp","item":"https:\/\/peopaygo.com\/es\/category\/workers-comp\/","nextItem":{"@type":"ListItem","@id":"https:\/\/peopaygo.com\/es\/2026\/07\/24\/what-are-workers-comp-class-codes-how-they-affect-your-cost\/#listItem","name":"What Are Workers’ Comp Class Codes & How They Affect Your Cost"},"previousItem":{"@type":"ListItem","@id":"https:\/\/peopaygo.com\/es#listItem","name":"Home"}},{"@type":"ListItem","@id":"https:\/\/peopaygo.com\/es\/2026\/07\/24\/what-are-workers-comp-class-codes-how-they-affect-your-cost\/#listItem","position":3,"name":"What Are Workers’ Comp Class Codes & How They Affect Your Cost","previousItem":{"@type":"ListItem","@id":"https:\/\/peopaygo.com\/es\/category\/workers-comp\/#listItem","name":"Workers Comp"}}]},{"@type":"Organization","@id":"https:\/\/peopaygo.com\/es\/#organization","name":"PEOPayGO","description":"Workers Comp and Payroll Services for High-Risk","url":"https:\/\/peopaygo.com\/es\/","logo":{"@type":"ImageObject","url":"https:\/\/peopaygo.com\/wp-content\/uploads\/2023\/03\/logo-2.png","@id":"https:\/\/peopaygo.com\/es\/2026\/07\/24\/what-are-workers-comp-class-codes-how-they-affect-your-cost\/#organizationLogo","width":1635,"height":299},"image":{"@id":"https:\/\/peopaygo.com\/es\/2026\/07\/24\/what-are-workers-comp-class-codes-how-they-affect-your-cost\/#organizationLogo"},"sameAs":["https:\/\/www.facebook.com\/peo.pay.go","https:\/\/instagram.com\/peo.pay.go","https:\/\/www.linkedin.com\/company\/peopaygo\/"],"address":{"@id":"https:\/\/peopaygo.com\/es\/#postaladdress","@type":"PostalAddress","streetAddress":"225 E Dania Beach Blvd #120","postalCode":"33004","addressLocality":"Dania Beach","addressRegion":"Florida","addressCountry":"US"}},{"@type":"Person","@id":"https:\/\/peopaygo.com\/es\/author\/yiseth\/#author","url":"https:\/\/peopaygo.com\/es\/author\/yiseth\/","name":"yiseth kamell","image":{"@type":"ImageObject","@id":"https:\/\/peopaygo.com\/es\/2026\/07\/24\/what-are-workers-comp-class-codes-how-they-affect-your-cost\/#authorImage","url":"https:\/\/secure.gravatar.com\/avatar\/97dd3cc2482d7a16f102ed36c215c37cf9318dae4f7009c5517eca744f315413?s=96&d=mm&r=g","width":96,"height":96,"caption":"yiseth kamell"}},{"@type":"WebPage","@id":"https:\/\/peopaygo.com\/es\/2026\/07\/24\/what-are-workers-comp-class-codes-how-they-affect-your-cost\/#webpage","url":"https:\/\/peopaygo.com\/es\/2026\/07\/24\/what-are-workers-comp-class-codes-how-they-affect-your-cost\/","name":"What Are Workers\u2019 Comp Class Codes & How They Affect Your Cost","description":"What Are Workers\u2019 Comp Class Codes & How They Affect Your Cost A workers\u2019 comp class code is a four-digit number, assigned by the National Council on Compensation Insurance (NCCI), that categorizes a type of work by its injury risk. Each code carries a rate per $100 of payroll, and that rate is the single","inLanguage":"es-ES","isPartOf":{"@id":"https:\/\/peopaygo.com\/es\/#website"},"breadcrumb":{"@id":"https:\/\/peopaygo.com\/es\/2026\/07\/24\/what-are-workers-comp-class-codes-how-they-affect-your-cost\/#breadcrumblist"},"author":{"@id":"https:\/\/peopaygo.com\/es\/author\/yiseth\/#author"},"creator":{"@id":"https:\/\/peopaygo.com\/es\/author\/yiseth\/#author"},"image":{"@type":"ImageObject","url":"https:\/\/peopaygo.com\/wp-content\/uploads\/2026\/07\/What-Are-Workers-Comp-Class-Codes.png","@id":"https:\/\/peopaygo.com\/es\/2026\/07\/24\/what-are-workers-comp-class-codes-how-they-affect-your-cost\/#mainImage","width":650,"height":450,"caption":"Clipboard shows Workers' Comp class codes and risk levels with cost impact, on a desk with a calculator and a 'Safety First' hard hat nearby."},"primaryImageOfPage":{"@id":"https:\/\/peopaygo.com\/es\/2026\/07\/24\/what-are-workers-comp-class-codes-how-they-affect-your-cost\/#mainImage"},"datePublished":"2026-07-24T18:18:22-04:00","dateModified":"2026-07-24T18:18:40-04:00"},{"@type":"WebSite","@id":"https:\/\/peopaygo.com\/es\/#website","url":"https:\/\/peopaygo.com\/es\/","name":"PEOPayGO","description":"Workers Comp and Payroll Services for High-Risk","inLanguage":"es-ES","publisher":{"@id":"https:\/\/peopaygo.com\/es\/#organization"}}]},"og:locale":"es_ES","og:site_name":"PEOPayGo - Workers Comp and Payroll Services for High-Risk","og:type":"article","og:title":"What Are Workers\u2019 Comp Class Codes & How They Affect Your Cost","og:description":"What Are Workers\u2019 Comp Class Codes & How They Affect Your Cost A workers\u2019 comp class code is a four-digit number, assigned by the National Council on Compensation Insurance (NCCI), that categorizes a type of work by its injury risk. Each code carries a rate per $100 of payroll, and that rate is the single","og:url":"https:\/\/peopaygo.com\/es\/2026\/07\/24\/what-are-workers-comp-class-codes-how-they-affect-your-cost\/","article:published_time":"2026-07-24T22:18:22+00:00","article:modified_time":"2026-07-24T22:18:40+00:00","article:publisher":"https:\/\/www.facebook.com\/peo.pay.go","twitter:card":"summary_large_image","twitter:title":"What Are Workers\u2019 Comp Class Codes & How They Affect Your Cost","twitter:description":"What Are Workers\u2019 Comp Class Codes & How They Affect Your Cost A workers\u2019 comp class code is a four-digit number, assigned by the National Council on Compensation Insurance (NCCI), that categorizes a type of work by its injury risk. Each code carries a rate per $100 of payroll, and that rate is the single"},"aioseo_meta_data":{"post_id":"18665","title":"#t\u00edtulo de la entrada","description":null,"keywords":null,"keyphrases":{"focus":{"keyphrase":"","score":0,"analysis":{"keyphraseInTitle":{"score":0,"maxScore":9,"error":1}}},"additional":[]},"primary_term":null,"canonical_url":null,"og_title":null,"og_description":null,"og_object_type":"default","og_image_type":"default","og_image_url":null,"og_image_width":null,"og_image_height":null,"og_image_custom_url":null,"og_image_custom_fields":null,"og_video":"","og_custom_url":null,"og_article_section":null,"og_article_tags":null,"twitter_use_og":false,"twitter_card":"default","twitter_image_type":"default","twitter_image_url":null,"twitter_image_custom_url":null,"twitter_image_custom_fields":null,"twitter_title":null,"twitter_description":null,"schema":{"blockGraphs":[],"customGraphs":[],"default":{"data":{"Article":[],"Course":[],"Dataset":[],"FAQPage":[],"Movie":[],"Person":[],"Product":[],"ProductReview":[],"Car":[],"Recipe":[],"Service":[],"SoftwareApplication":[],"WebPage":[]},"graphName":"BlogPosting","isEnabled":true},"graphs":[]},"schema_type":"default","schema_type_options":null,"pillar_content":false,"robots_default":true,"robots_noindex":false,"robots_noarchive":false,"robots_nosnippet":false,"robots_nofollow":false,"robots_noimageindex":false,"robots_noodp":false,"robots_notranslate":false,"robots_max_snippet":"-1","robots_max_videopreview":"-1","robots_max_imagepreview":"large","priority":null,"frequency":"default","local_seo":null,"seo_analyzer_scan_date":"2026-07-24 22:19:19","breadcrumb_settings":null,"limit_modified_date":false,"open_ai":null,"ai":{"faqs":[],"keyPoints":[],"schemas":[],"titles":[],"descriptions":[],"socialPosts":{"email":{"subject":"","preview":"","content":""},"linkedin":[],"twitter":[],"facebook":[],"instagram":[]}},"created":"2026-07-24 22:17:22","updated":"2026-07-24 22:30:42"},"aioseo_breadcrumb":"<div class=\"aioseo-breadcrumbs\"><span class=\"aioseo-breadcrumb\">\n\t<a href=\"https:\/\/peopaygo.com\/es\" title=\"Home\">Home<\/a>\n<\/span><span class=\"aioseo-breadcrumb-separator\">»<\/span><span class=\"aioseo-breadcrumb\">\n\t<a href=\"https:\/\/peopaygo.com\/es\/category\/workers-comp\/\" title=\"Workers Comp\">Workers Comp<\/a>\n<\/span><span class=\"aioseo-breadcrumb-separator\">»<\/span><span class=\"aioseo-breadcrumb\">\n\tWhat Are Workers\u2019 Comp Class Codes & How They Affect Your Cost\n<\/span><\/div>","aioseo_breadcrumb_json":[{"label":"Home","link":"https:\/\/peopaygo.com\/es"},{"label":"Workers Comp","link":"https:\/\/peopaygo.com\/es\/category\/workers-comp\/"},{"label":"What Are Workers’ Comp Class Codes & How They Affect Your Cost","link":"https:\/\/peopaygo.com\/es\/2026\/07\/24\/what-are-workers-comp-class-codes-how-they-affect-your-cost\/"}],"_links":{"self":[{"href":"https:\/\/peopaygo.com\/es\/wp-json\/wp\/v2\/posts\/18665","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/peopaygo.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/peopaygo.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/peopaygo.com\/es\/wp-json\/wp\/v2\/users\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/peopaygo.com\/es\/wp-json\/wp\/v2\/comments?post=18665"}],"version-history":[{"count":4,"href":"https:\/\/peopaygo.com\/es\/wp-json\/wp\/v2\/posts\/18665\/revisions"}],"predecessor-version":[{"id":18670,"href":"https:\/\/peopaygo.com\/es\/wp-json\/wp\/v2\/posts\/18665\/revisions\/18670"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/peopaygo.com\/es\/wp-json\/wp\/v2\/media\/18667"}],"wp:attachment":[{"href":"https:\/\/peopaygo.com\/es\/wp-json\/wp\/v2\/media?parent=18665"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/peopaygo.com\/es\/wp-json\/wp\/v2\/categories?post=18665"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/peopaygo.com\/es\/wp-json\/wp\/v2\/tags?post=18665"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}