What is Excavation NOC Low Wage Workers Compensation (class code: 6218)?
Workers compensation insurance for Excavation NOC (Not Otherwise Classified) under class code 6218 provides protection for businesses engaged in excavation work that does not fall under more specific classifications. This includes trenching, grading, and site preparation work performed by employees earning lower wages. Coverage is essential to help address job-site hazards common to excavation, such as equipment accidents, trench collapses, or transportation-related injuries.
This coverage is designed to meet state-mandated requirements, providing wage replacement and medical benefits to workers injured on the job. It also protects employers from certain lawsuits related to workplace injuries.
Who needs it
Excavation contractors, grading operators, and small construction firms that employ low-wage laborers for general excavation tasks typically need this type of workers compensation policy. This includes companies involved in utility trenching, drainage installation, or site clearing that do not use explosives or engage in tunneling.
Businesses classified under this code may also benefit from exploring Excavation NOC Workers Compensation Insurance for more detailed classifications or wage tier differences.
What it typically covers
Standard workers compensation for class code 6218 covers:
- Medical expenses related to job-related injuries
- Rehabilitation and recovery services
- Partial wage replacement during recovery
- Death benefits to dependents in the event of a fatal injury
For example, if a worker is injured while operating a backhoe on uneven terrain, this coverage helps pay for their medical care and time away from work.
Common exclusions or limitations
Policies typically exclude coverage for injuries that occur while an employee is intoxicated, intentionally self-inflicted injuries, or accidents that happen outside the course of employment. Additionally, illegal operations or failure to follow safety regulations may impact coverage eligibility.
Because excavation work involves high-risk machinery, it’s important to implement sound risk management protocols to prevent incidents and reduce claims.
Factors that influence cost
Premiums for workers compensation under class code 6218 are influenced by several underwriting factors, including:
- Payroll size and employee classification
- Company safety record and claim history
- Geographic location and state-specific rules
- Type of excavation work performed
Employers with strong safety programs and fewer past incidents may qualify for more favorable rates.
Proof of insurance & compliance
Most states require proof of workers compensation coverage before a business can operate legally or secure contracts. A valid certificate of insurance (COI) demonstrates compliance and may be required by project managers or general contractors before work can begin.
How to get a quote
To get the right policy tailored to your excavation business, work with a provider experienced in commercial liability and workers compensation for contractors. They can help assess your risk profile, classify your employees correctly, and ensure you meet all compliance requirements.
Request a quote today to protect your business and your crew.
Frequently Asked Questions
What does “NOC” mean in class code 6218?
“NOC” stands for “Not Otherwise Classified,” indicating that the work doesn’t fall under a more specific excavation classification.
Is this coverage required in all states?
Most states require employers to carry workers compensation insurance, but requirements and classification codes vary by state.
Can subcontractors be covered under this policy?
Typically, subcontractors need their own coverage, but requirements depend on state laws and contract terms.
What happens if I misclassify my workers?
Misclassification can result in penalties, back premiums, or denied claims. It’s important to use accurate class codes like 6218.
Does this policy cover equipment damage?
No, workers compensation covers employee injuries only. Equipment coverage would fall under a separate property or inland marine policy.
Still have questions? Talk to a local insurance expert.