What is Vending/Coin Operated Machines Workers Compensation (class code: 5192)?
Vending/Coin Operated Machines Workers Compensation (class code: 5192) is the workers’ compensation classification typically used for businesses that own, service, or operate coin-operated devices—vending machines, arcade machines, laundromat equipment, pay phones (where still used), and similar machines. The coverage is intended to pay medical benefits and wage replacement for employees injured while performing job duties, and it sits alongside other protections such as commercial liability, equipment coverage, and property coverage.
Who needs it
Any employer who hires employees to stock, collect, maintain, or repair coin-operated machines should consider this coverage. That includes independent vending operators, laundromat owners, arcade operators, facility maintenance crews, and retailers that run coin-operated services. Operators who manage multiple types of machines sometimes compare exposures with related classes such as Vending Machines Workers Compensation or Machinery Dealers NOC Workers Compensation (Class Code 8107) when arranging broader coverage.
What it typically covers
Workers’ compensation for class code 5192 generally covers workplace medical care, temporary and permanent disability benefits, and death benefits where applicable. It may also coordinate with employer liability portions of a policy if a third-party suit arises. Typical coverage elements include:
- Medical treatment and hospitalization for on-the-job injuries
- Partial wage replacement during recovery
- Rehabilitation or vocational help when needed
These protections focus on employee exposures rather than customer or spectator injuries, which would fall under general liability or participant accident coverage.
Common exclusions or limitations
Exclusions often mirror standard workers’ compensation rules: injuries outside the scope of employment, willful misconduct, and certain contractors who are classified as independent contractors rather than employees. Policies may also limit coverage for non-routine exposures like vehicle accidents during large-scale distribution runs, where commercial auto or specialized transportation coverage would apply.
Factors that influence cost
Premiums are influenced by payroll for employees in the class, the number and type of machines serviced, frequency of service visits, claims history, and safety programs. Underwriting will consider operational hazards and transportation risks (if employees deliver or collect from machines), the use of specialized tools or lifts, and whether work occurs in public areas posing facility risks. Implementing clear lockout/tagout procedures and employee training can reduce rates.
Proof of insurance & compliance
Employers may be required to provide a certificate of insurance to property owners, landlords, or municipalities. Documentation typically shows workers’ compensation limits, policy period, and the insurer name. Keep records of payroll, a list of covered employees, and any state-mandated notices handy for compliance checks.
How to get a quote
To get an accurate quote, an insurer will ask about payroll, job descriptions, claims history, and the number and locations of machines. If you have questions about how different coverages interact, talk to your agent about bundling with general liability or commercial auto protections. You can also start a quote online at talk to your agent and provide the details an underwriter needs.
Frequently Asked Questions
Do I need separate liability insurance for customers who use the machines?
Yes. Customer injuries, property damage, and business liability are generally handled by a commercial general liability policy or event-specific liability endorsements, not by workers’ compensation.
Are independent contractors covered under class code 5192?
Independent contractors are typically not covered by an employer’s workers’ compensation policy; classification depends on your working relationship and state rules. Verify classification with your agent and insurer.
How can I lower my workers’ comp premium for vending operations?
Introduce safety training, document routine maintenance, limit employee exposure to hazardous tasks, and maintain a clean claims history. These risk management steps are often reviewed by underwriters during premium calculation.
Still have questions? Talk to a local insurance expert.