Indiana Flooring Workers Comp Rates (2026)

The published Indiana loss cost for flooring workers comp, class 5478 (Carpet, Linoleum, Vinyl, Asphalt or Rubber Floor Tile Installation), is $0.797 per $100 of payroll (effective January 1, 2026). Carriers multiply it by their own filed multiplier, so a typical premium is about $1.20.

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.

Indiana 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 Indiana

The Bureau of Labor Statistics counts 730 floor layers, except carpet, wood, and hard tiles on payrolls in Indiana (May 2025), the 8th largest workforce of the 44 states with published figures. The median wage is $24.39 an hour, 10% below the US median of $27.15.

This trade is a bigger part of the Indiana job market than it is nationally: floor layers, except carpet, wood, and hard tiles hold 1.5 times their national share of jobs there.

At a typical Indiana premium of about $1.20 per $100 of payroll (the published loss cost of $0.80 for class 5478 times a 1.5 carrier multiplier), comp on one worker at that wage costs about $0.29 for every hour worked, or $609 a year full time. A 2-person crew comes to roughly $1,218 a year in premium before any experience mod.

Because premium is charged on payroll, who you hire moves the bill. Indiana pay runs from $10.38 an hour at the 10th percentile to $34.63 at the 90th, so the same rate costs $0.12 an hour on a new hire and $0.42 on a senior hand.

Workers comp requirements in Indiana

Coverage required: 1 employee
Owners and sole proprietors: Owners exempt for themselves; construction independent contractors file a Clearance Certificate
State fund: Private market (no state fund)
Waiting period: 7 days; retroactive if disability exceeds 21 days
Penalty for going without: Up to $10,000 per violation plus $50 per day per uncovered employee

Indiana sets rates through its own Indiana Compensation Rating Bureau rather than NCCI.

Indiana vs neighboring states

Michigan: about $1.16 per $100 of payroll
Ohio: about $1.67 per $100 of payroll

Among its neighbors, Michigan is the cheapest for flooring comp at $1.16 and Ohio the most expensive at $1.67 per $100 of payroll.

Working across the line into Ohio 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.