Swimming Pool Construction & Drivers — Workers' Comp filed loss costs
What state regulators have approved for class 5223, captured from public state-DOI rate filings across 5 state(s).
Workers' Comp premium for NCCI class code 5223 (Swimming Pool Construction & Drivers) is priced per $100 of payroll. The chart and table below show the filed loss costs state regulators have approved — the baseline before each carrier's loss-cost multiplier and your experience modifier. These 5 filings span 5 state(s).
| State | Carrier / bureau | Filed loss cost | Effective | Filing ref |
|---|---|---|---|---|
| CO | National Council on Compensation Insurance (NCCI) | $1.67 per $100 payroll (advisory loss cost; carriers apply their own LCM) | 1/2026 | NCCI-134620513-CO-5223 |
| FL | National Council on Compensation Insurance (NCCI) — FL filing | $2.60 per $100 payroll (FL administered-pricing RATE) | 1/2026 | NCCI-FL-2026-01-5223 |
| GA | National Council on Compensation Insurance (NCCI) — GA filing | $1.91 per $100 payroll (advisory loss cost) | 3/2025 | NCCI-GA-2025-03-5223 |
| NC | North Carolina Rate Bureau (NCRB) | $1.55 per $100 payroll (advisory loss cost) | 4/2026 | NCRB-NC-2026-04-5223 |
| OH | Ohio Bureau of Workers' Compensation (BWC) — state fund | $1.01 per $100 payroll (BWC state-fund base rate) | 7/2025 | BWC-OH-2025-07-5223 |
Filed rates by state, explained
In Colorado, National Council on Compensation Insurance (NCCI) filed a loss cost of $1.67 per $100 of payroll effective January 2026, on record as NCCI-134620513-CO-5223. Colorado has a competitive private market alongside a quasi-public state fund. In Florida, National Council on Compensation Insurance (NCCI) — FL filing filed a loss cost of $2.60 per $100 of payroll effective January 2026, on record as NCCI-FL-2026-01-5223. Florida has a competitive private Workers' Comp market. In Georgia, National Council on Compensation Insurance (NCCI) — GA filing filed a loss cost of $1.91 per $100 of payroll effective March 2025, on record as NCCI-GA-2025-03-5223. Georgia has a competitive private Workers' Comp market. In North Carolina, North Carolina Rate Bureau (NCRB) filed a loss cost of $1.55 per $100 of payroll effective April 2026, on record as NCRB-NC-2026-04-5223. North Carolina has a competitive private Workers' Comp market. In Ohio, Ohio Bureau of Workers' Compensation (BWC) — state fund filed a loss cost of $1.01 per $100 of payroll effective July 2025, on record as BWC-OH-2025-07-5223. Ohio runs a monopolistic Workers' Comp market operated by the state fund.
Across the 5 states we track, filed loss costs for class 5223 range from $1.01 in Ohio to $2.60 in Florida — about a 2.6× difference. That spread reflects each state's own injury experience and whether it adopts NCCI advisory loss costs or files through an independent rating bureau such as California's WCIRB, New York's NYCIRB, or Pennsylvania's PCRB.
How your Workers' Comp rate is set
Your NCCI class code classifies the work your employees do by injury risk — it's the single biggest driver of your Workers' Comp base rate. The filed loss cost above is the only public, regulator-approved piece; your actual premium is:
Filed loss cost × carrier LCM × experience modifier × (payroll ÷ $100)
Most states use NCCI's loss-cost guidance; independent-bureau states (e.g., California/WCIRB, New York/NYCIRB, Pennsylvania/PCRB) and monopolistic state funds (e.g., Ohio BWC) file their own — which is why the same class code carries different filed rates by state above.
Methodology
Each loss cost is drawn from a public state-DOI rate filing (via the state's SERFF portal) or a public NCCI State Advisory Forum summary, traceable by its filing reference. Loss costs are per $100 of payroll before the carrier's loss-cost multiplier; your actual rate depends on your carrier's LCM, experience modifier, and state. No proprietary NCCI manual data is reproduced — only figures states have published in public regulatory filings. See our full sourcing policy.
Related
- Workers' Comp insurance cost — median rates, distribution, and a calculator
- NCCI class-code lookup — search every code we track
- Rate-change tracker — recent filed changes by state
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