Iron or Steel Erection - Frame Structures
Michigan Workers' Compensation Class Code 5040 • NCCI • Effective 2025-01-01
Current Rate
$6.50
per $100 of payroll
NCCI 2025-01-01
What is Class Code 5040?
Class code 5040 covers iron and steel erection for frame structures — the assembly of structural steel beams, columns, and connections to form the skeleton of buildings. Ironworkers who erect structural steel work at significant heights and face risks from falls, being struck by falling objects, and the physical demands of handling heavy steel members. This is one of the higher-rated construction codes due to the fall hazard.
Who is Covered Under This Code?
Structural ironworkers, connectors, bolters, and crane operators who erect structural steel frames.
Tips to Reduce Your Premium
- 100% fall protection is required for ironworkers at heights above 15 feet on construction sites
- Crane safety and rigging training are critical for structural steel erection
- Separate shop fabrication under code 3004 — field erection has a higher rate
- OSHA steel erection standard (29 CFR 1926 Subpart R) compliance is mandatory
Real-World Examples
This code applies to specialized structural steel erection companies, ranging from smaller 5-10 person crews focusing on mid-rise commercial buildings in Orlando, to larger 50+ employee contractors handling high-rise construction projects in downtown Miami or Tampa. It also covers the ironworking divisions of general contractors that self-perform structural steel assembly on large-scale industrial facilities across Florida.
Common Claim Scenarios
The most common claims involve falls from heights, such as from beams, scaffolding, or partially completed structures, often resulting in severe fractures, spinal injuries, or fatalities. Struck-by incidents from falling tools, materials, or swinging loads are also frequent, leading to head injuries, contusions, or amputations. Musculoskeletal injuries from repetitive lifting and awkward postures are common but typically less severe.
Safety & Loss Prevention
- Ensure 100% tie-off with fall protection systems for all workers operating at heights, including during connection and bolting activities.
- Implement strict crane lift plans and communication protocols to prevent struck-by incidents from swinging or falling loads.
- Conduct daily equipment inspections of all tools, machinery, and fall protection gear to identify and rectify defects before use.
- Provide comprehensive training on proper rigging techniques and safe work practices for working at heights and around heavy machinery.
Rate Comparison by State
| State | Description | Rate / $100 | |
|---|---|---|---|
| MI | Iron or Steel Erection - Frame Structures | $6.50 | Current |
| FL | Iron or Steel Erection - Frame Structures | $7.16 | View |
| IL | Iron or Steel Erection - Frame Structures | $6.10 | View |
| TX | Iron or Steel Erection - Frame Structures | $5.80 | View |
| SC | Iron or Steel Erection - Frame Structures | $6.30 | View |
| NC | Iron or Steel Erection - Frame Structures | $5.60 | View |
Frequently Asked Questions
What is workers comp class code 5040?
Class code 5040 covers iron and steel erection for frame structures — the assembly of structural steel beams, columns, and connections to form the skeleton of buildings. Ironworkers who erect structural steel work at significant heights and face risks from falls, being struck by falling objects, and the physical demands of handling heavy steel members. This is one of the higher-rated construction codes due to the fall hazard.
What is the workers comp rate for class code 5040 in Michigan?
The current workers' compensation rate for class code 5040 in Michigan is $6.50 per $100 of payroll, as set by NCCI effective 2025-01-01. Your actual premium will also depend on your experience modification factor (EMR) and the carrier you choose.
Who is covered under class code 5040?
Structural ironworkers, connectors, bolters, and crane operators who erect structural steel frames.
How can I reduce my workers comp premium for class code 5040 in Michigan?
100% fall protection is required for ironworkers at heights above 15 feet on construction sites Crane safety and rigging training are critical for structural steel erection Separate shop fabrication under code 3004 — field erection has a higher rate OSHA steel erection standard (29 CFR 1926 Subpart R) compliance is mandatory
Do I need workers comp insurance for employees classified under code 5040 in Michigan?
Yes. Michigan requires most employers to carry workers' compensation insurance for their employees. Class code 5040 employees must be covered. Penalties for non-compliance in Michigan can be severe, including stop-work orders and fines. Contact Bright Coast Insurance at (239) 323-0785 for a fast, competitive quote.
Related Coverage Pages
Workers' comp class code 5040 is most commonly used by Masonry Contractors. Explore our dedicated coverage guides below.
Masonry Contractors
Rates shown are advisory loss costs or assigned risk rates as of the effective date listed. Your actual workers' compensation premium will depend on your specific payroll, experience modification factor (EMR), carrier selection, and other underwriting factors. Contact Bright Coast Insurance for an accurate quote tailored to your business.
Premium Estimator
Enter your annual payroll to estimate your base premium for code 5040 in MI.
Quick Facts
- Class Code
- 5040
- State
- Michigan
- Rate per $100
- $6.50
- Rating Org
- NCCI
- Effective
- 2025-01-01
Related Class Codes
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