What is Excavation NOC Workers Compensation (class code: 6218, 6220)?
Excavation NOC (Not Otherwise Classified) Workers Compensation insurance is designed to protect businesses involved in excavation work, such as trenching, grading, and foundation digging. Class codes 6218 and 6220 are used to classify excavation operations that don't fall under more specific codes. This insurance provides medical and wage benefits to employees who are injured on the job and helps employers meet legal obligations in most states.
Who needs it
Any business involved in excavation activities—including site preparation, land clearing, or underground utility installation—should carry workers compensation insurance. This includes general contractors, subcontractors, and independent excavation companies. If your employees use heavy equipment like backhoes or bulldozers, or work in trenches and uneven terrain, this coverage is essential.
What it typically covers
Workers compensation insurance for excavation operations generally includes:
- Medical expenses for work-related injuries or illnesses
- Lost wages during recovery periods
- Rehabilitation and physical therapy
- Disability benefits (temporary or permanent)
- Death benefits for surviving dependents
This coverage helps protect both employees and employers from the financial impact of workplace accidents.
Common exclusions/limitations
While workers comp covers most job-related injuries, exclusions may include:
- Injuries occurring while under the influence of drugs or alcohol
- Self-inflicted injuries or intentional misconduct
- Injuries that happen off-duty or off-site
- Independent contractors not classified as employees
Policy terms and exclusions can vary, so it's important to review your coverage with a licensed agent.
Factors that influence cost
Several factors impact the cost of workers compensation for excavation businesses:
- Type of excavation work performed and associated risks
- Number of employees and total payroll
- Past claims history and safety record
- State-specific rates and classification codes
Rates are often higher for excavation due to the physical hazards involved, but maintaining a strong safety program can help reduce premiums.
Proof of insurance & compliance
Most states require excavation companies to carry valid workers compensation insurance and provide proof before starting work, especially on construction sites. Certificates of insurance may be needed to win contracts or gain site access. Requirements vary by state, so make sure you're in compliance with local laws and industry standards.
How to get a quote
To get started with a customized Excavation NOC Workers Compensation quote, visit our quote page and provide some basic details about your business.
Frequently Asked Questions
What does NOC mean in workers compensation class codes?
NOC stands for "Not Otherwise Classified," meaning the work doesn't fit into a more specific category and falls under a general classification.
Is workers comp required for part-time excavation workers?
Yes, in most states, workers comp is required for all employees, including part-time workers. Requirements vary, so check with your state’s regulations.
Can I exclude myself from coverage as a business owner?
Some states allow business owners to exempt themselves from workers comp, but this depends on the structure of your business and local laws.
How do I know if my work falls under class code 6218 or 6220?
The correct code depends on the specific type of excavation work you perform. A licensed insurance agent can help determine the right classification.
What happens if I don’t carry workers comp for my excavation business?
Operating without required workers comp can result in fines, legal penalties, and being barred from contracts or job sites.
Still have questions? Talk to a local insurance expert.