What is Glaziers - Low Wage Workers Comp (class code: 5467)?
Glaziers – Low Wage Workers Comp (class code: 5467) refers to a specific workers’ compensation insurance classification for glaziers performing work at lower wage levels. Glaziers are skilled tradespeople who install glass in windows, skylights, storefronts, and other structures. Due to the physical nature of the job and potential for injury, glaziers are required in most states to carry workers’ compensation coverage to protect employees and comply with laws.
Who needs it
This coverage is essential for glazing contractors or subcontractors who employ workers earning wages that fall under the "low wage" threshold, as defined by each state or insurer. Any business that installs, handles, or repairs glass in residential, commercial, or industrial settings should consider this classification if they pay their labor force within the applicable wage range.
What it typically covers
Workers’ compensation insurance for glaziers under class code 5467 usually includes:
- Medical expenses related to on-the-job injuries
- Rehabilitation and physical therapy costs
- Lost wages during recovery time
- Disability benefits (temporary or permanent)
- Death benefits for work-related fatalities
This coverage helps protect both employers and employees from the financial impact of workplace injuries.
Common exclusions/limitations
While workers' comp provides broad protection, it does not cover:
- Injuries that occur while under the influence of drugs or alcohol
- Intentional acts causing harm
- Injuries sustained outside the scope of employment
- Independent contractors not classified as employees
Policy details and exclusions can vary, so it’s important to review your coverage carefully.
Factors that influence cost
Several factors impact the cost of workers’ comp for glaziers under class code 5467:
- Payroll size and number of employees
- History of past claims and workplace safety record
- State-specific classification rules
- Job duties and level of risk involved
- Experience modification rate (EMR)
Working with a knowledgeable insurance provider can help ensure proper classification and premium accuracy.
Proof of insurance & compliance
Most states require employers to have proof of workers’ compensation insurance available for regulatory bodies and clients. Certificates of insurance (COIs) serve as official documentation. Failure to maintain valid coverage can result in fines, penalties, or stop-work orders depending on the state.
How to get a quote
Getting coverage tailored to your business is simple. Start by contacting a licensed provider who understands your industry. Request a workers’ comp quote here to get started.
Frequently Asked Questions
What does class code 5467 mean?
Class code 5467 is a workers’ compensation classification for glaziers, specifically those earning lower wages, based on state or insurer criteria.
Do I need workers' comp if I have only one employee?
In most states, yes. Even a single employee often triggers the requirement for workers’ compensation coverage. Check your state laws to confirm.
Can I use this code for subcontractors?
No, class code 5467 applies to employees. Subcontractors typically need their own insurance and may not be covered under your policy.
How is low wage determined for glaziers?
Each insurance carrier or state may set specific wage thresholds to determine eligibility for the low wage classification. Check with your insurer for current guidelines.
What happens if I use the wrong workers’ comp class code?
Misclassifying employees can result in audits, penalties, or increased premiums. It’s important to use accurate codes for each role.
Still have questions? Talk to a local insurance expert.