What is a class code?
A class code is the four-digit number an insurance carrier uses to describe what you actually do all day— painting houses, driving a truck, baking bread, doing nails. It's how Cimarron figures out the risk profile and the price of your Workers' Comp policy.
Why it matters
- Each code maps to a base rate. A solo trucker pays a different premium than a solo coder — the work has a different risk shape.
- Carriers issue the policy under one specific code. If the code on file doesn't match the work you're doing, a claim can be denied.
- You only need one code — the one that describes your main line of business.
How to pick
Pick the entry that sounds most like the work you do for money most of the time. If you paint cabinets in your garage and occasionally hang a few sheets of drywall, you're a painter. If you do tile most days but also grout, you're a tile setter.
You don't need to memorize the numbers. The labels are written for you, not for the underwriter. Find the one that fits.
Don't see your trade?
Pick “Other — I'll describe it” at the bottom of the list and tell us in your own words. An underwriter at Cimarron reviews those and assigns the closest matching code before binding. It usually adds about a day to the timeline.
A few common ones for solo operators
- 5474Painters
- 5445Drywall installers
- 5348Tile, stone & marble setters
- 5552Roofers
- 5183Plumbers
- 5190Electricians
- 7219Solo truckers
- 9586Hair, nail & cosmetology
- 9522Tattoo & piercing
- 2003Bakers (retail)
- 8810Home-office work (designers, coders)
- 9156DJs & performers