What is Glaziers High Wage Workers Compensation (class code: 5470)?
Glaziers High Wage Workers Compensation, classified under class code 5470, provides coverage for employees who install glass in buildings, vehicles, or other structures. This includes tasks like cutting, fitting, and securing glass panels. The "high wage" designation refers to workers earning above a set wage threshold, which may influence the premium calculation. This specialized workers' comp insurance helps cover medical expenses and lost wages if a glazier is injured on the job.
Who needs it
Any business that employs glaziers—especially those paying higher-than-average wages—needs this type of workers' compensation insurance. Typical businesses include glass installation companies, commercial window installers, and contractors who employ glaziers as part of their services. If your employees handle glass regularly or work in elevated or hazardous environments, this coverage is typically required by law in most states.
What it typically covers
Glaziers High Wage Workers Compensation generally includes:
- Medical treatment for work-related injuries
- Lost wages during recovery
- Disability benefits for partial or total disability
- Rehabilitation or retraining services
- Death benefits to dependents in fatal cases
Common exclusions/limitations
This coverage does not apply to injuries that occur outside of work or from intentional acts. Some other common exclusions include:
- Injuries while under the influence of drugs or alcohol
- Self-inflicted injuries
- Injuries from horseplay or unauthorized activities
- Independent contractors not classified as employees
Factors that influence cost
Several factors affect the cost of Glaziers High Wage Workers Compensation:
- Employee wage levels and job classifications
- Company claims history and safety record
- Number of employees and total payroll
- State-specific rules and rates
- Coverage limits and deductibles selected
Proof of insurance & compliance
Most states require businesses with employees to carry workers’ compensation insurance. Proof of coverage may be requested by state agencies, clients, or general contractors. Certificates of insurance (COIs) are commonly used to confirm compliance. Failure to carry adequate coverage can lead to penalties, work stoppages, or legal claims.
How to get a quote
Getting Glaziers High Wage Workers Compensation coverage starts with a quote customized to your business. Get a free quote today to protect your workers and stay compliant.
Frequently Asked Questions
What is the difference between standard and high wage workers compensation?
High wage workers compensation accounts for employees earning above a state's average wage threshold, potentially resulting in different premium calculations.
Is workers compensation required for glaziers in all states?
Most states require workers' comp for businesses with employees, including glaziers. Specific requirements vary, so check with your state’s labor department.
Does this coverage include subcontractors?
Typically, it covers only direct employees. Subcontractors may need to carry their own insurance unless otherwise specified in your policy.
What happens if I don’t carry workers comp for my glaziers?
You may face fines, legal action, or be held liable for medical expenses and lost wages if an injury occurs.
How do I prove I have workers compensation coverage?
You can request a Certificate of Insurance (COI) from your provider to show proof of coverage to clients or regulators.
Still have questions? Talk to a local insurance expert.