Colorado Flooring Workers Comp Rates (2026)
The published Colorado loss cost for flooring workers comp, class 5478 (Carpet, Linoleum, Vinyl, or Asphalt or Rubber Floor Tile Installation - Exclusively in Buildings & Shop Operations, Drivers), is $1.590 per $100 of payroll (effective January 1, 2026). Carriers multiply it by their own filed multiplier, so a typical premium is about $2.39.
A loss cost covers expected claims only. Each carrier files its own multiplier for expenses; in the states that publish the full list, the median is about 1.5, which is what the typical premium here uses. Your quote can be lower or higher. Source.
Colorado class code for flooring
- 5478: Floor Covering Installation - Resilient Flooring, Carpet and Laminate Flooring
- 5437 (Carpentry - Installation of Cabinet Work or Interior Trim, includes wood floor installation and sanding)
- 5348 (Tile, Stone, Mosaic or Terrazzo Work - Inside)
Flooring carries knee injury, back strain, silica dust from cutting tile or concrete, and adhesive vapor risks.
What comp costs per flooring installer in Colorado
The Bureau of Labor Statistics counts 240 floor layers, except carpet, wood, and hard tiles on payrolls in Colorado (May 2025), the 25th largest workforce of the 44 states with published figures. The median wage is $22.13 an hour, 18% below the US median of $27.15.
This trade is a smaller part of the Colorado job market than it is nationally: floor layers, except carpet, wood, and hard tiles hold 0.56 times their national share of jobs there.
At a typical Colorado premium of about $2.39 per $100 of payroll (the published loss cost of $1.59 for class 5478 times a 1.5 carrier multiplier), comp on one worker at that wage costs about $0.53 for every hour worked, or $1,100 a year full time. A 2-person crew comes to roughly $2,200 a year in premium before any experience mod.
Because premium is charged on payroll, who you hire moves the bill. Colorado pay runs from $19.28 an hour at the 10th percentile to $40.00 at the 90th, so the same rate costs $0.46 an hour on a new hire and $0.96 on a senior hand.
Workers comp requirements in Colorado
- Coverage required: 1 employee
- Owners and sole proprietors: Sole proprietors and partners exempt by default; may elect in
- State fund: Competitive state fund (Pinnacol Assurance), which must insure any Colorado employer
- Waiting period: 3 days; retroactive if disability exceeds 14 days
- Penalty for going without: Fines up to $250-$500 per day, plus a 50% benefit increase paid by an uninsured employer
If you are uninsured when a worker is hurt in Colorado, their benefits are increased 50% out of your own pocket.
Colorado vs neighboring states
- Wyoming: about $2.39 per $100 of payroll
Colorado has the lowest flooring comp rate in its region; every neighboring state charges more per $100 of payroll.
Working across the line into Wyoming needs separate coverage from that state's fund. A private policy's other-states coverage (item 3.C) does not reach monopolistic states.
What moves a flooring comp bill
- Floor installers file knee, back, and repetitive-strain claims more than falls. Kneepads and lifting aids are cheap ways to keep the experience mod down.
- Tile, hardwood, and carpet installation can be separate classes in some states. If your crews do several, record payroll by type of work.
- Many flooring shops pay installers by the square foot as 1099 subs. If they cannot show their own coverage, the auditor counts what you pay them as your payroll.
- Showroom and sales staff who do not install can usually be rated as sales or clerical when their duties are documented.