NCCI class code 5183 — Plumbing NOC & Drivers, explained for the people it actually applies to.

What 5183 covers

5183 is Plumbing NOC & Drivers. NOC means not otherwise classified: it is the plumbing code used when a more specific code does not control. It is the classification for contractors who install, remove, or repair the piping, fixtures, appliances, and accessories that direct gas or water supplies to a destination — including the shop work connected with those operations and the drivers tied to the plumbing crew. Residential service and repair, new residential construction, commercial service and repair, and commercial new construction all generally index here when the work is plumbing. Water heaters, fixtures, drain and supply piping, and the trenching a plumbing contractor does for its own lines typically stay in 5183 rather than splitting to a separate excavation code.

What falls outside it

5188 is automatic fire sprinkler installation — fire protection inside buildings, not ordinary plumbing. If fire sprinkler installation is most of the work, that is not 5183. 5190 is electrical wiring within buildings. A plumbing contractor who also runs electrical is not automatically 5190 for the plumbing payroll, and an electrician is not 5183. Sewer construction, stand-alone boiler installation, and contract welding as a business of its own are different codes. Do not force them into 5183, and do not force 5183 into them.

Where HVAC lands

Non-portable air conditioning work performed by a plumbing shop generally indexes into 5183. Gas piping performed as part of the plumbing operation generally stays in 5183. There is not a separate HVAC code or a separate gas-fitting code that we apply to a plumbing contractor’s ordinary mix. If the shop is mostly HVAC rather than plumbing, we will still start from 5183 and confirm the mix — we will not invent a code to make the work look cheaper or more expensive than it is.

Splitting payroll with 8810

8810 is clerical office employees. Payroll can be split to 8810 only for people whose duties are exclusively clerical and who work in an office physically separated from the shop and the field. A CSR who also runs parts to a job, an owner who estimates in the truck, or a dispatcher who walks the warehouse is not 8810. We will ask about the mix. We will not promise a split that the audit will take back.

What actually drives your rate

Your rate is not a number on this page. In NCCI states it is built from the loss cost or rate filed for 5183 in that state, the carrier’s multiplier, your experience modification, schedule and other rating factors, and the payroll you put in each class. Hazards — work above 20 feet, trenches over 5 feet, gas lines — affect how the account is viewed. Claims in the last three years affect how the account is viewed. None of that is an online premium, and we will not show you one. An indication is a preliminary estimate based on information you provide that we have not verified. It is not a quote.

Arizona and Utah specifics

Arizona and Utah are both NCCI states. The class is 5183 in both. The statutes, the filings, and the certificates are not. Arizona requires coverage at one employee and the Registrar of Contractors wants a certificate on file if you hold an ROC licence with employees. Utah requires coverage for employees and DOPL wants proof of coverage on file with DOPL named as the certificate holder if you hold a DOPL contractor licence with employees. Read the state pages for that. We do not write California, or the monopolistic state-fund states of Ohio, North Dakota, Washington and Wyoming.

Arizona·Utah