Nebraska Flooring Workers Comp Rates (2026)
Nebraska does not publish its flooring class figures online. Across the 26 states that do, the median typical premium is about $2.94 per $100 of payroll. Ask a carrier or the state's rating bureau for the current Nebraska figure.
No official Nebraska figure is available online, so the numbers below use the US median of the states that publish one.
Nebraska 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 Nebraska
The Bureau of Labor Statistics counts 8,530 construction laborers on payrolls in Nebraska (May 2025), the 37th largest workforce among the 50 states and DC. The median wage is $22.72 an hour, in line with the US median of $22.66.
Construction laborers make up about the same share of Nebraska jobs as they do nationally (location quotient 1.18).
At the US median of $2.94 per $100 of payroll (Nebraska does not publish its figure online), comp on one worker at that wage costs about $0.67 for every hour worked, or $1,389 a year full time. A 2-person crew comes to roughly $2,779 a year in premium before any experience mod.
Because premium is charged on payroll, who you hire moves the bill. Nebraska pay runs from $17.50 an hour at the 10th percentile to $29.70 at the 90th, so the same rate costs $0.51 an hour on a new hire and $0.87 on a senior hand.
Workers comp requirements in Nebraska
- Coverage required: 1 employee
- Owners and sole proprietors: Excluded for self; may elect coverage
- State fund: Private market (no state fund)
- Waiting period: 7 days; retroactive only if disability continues 6 weeks
- Penalty for going without: Fine up to $1,000 per day without coverage
Nebraska adjudicates claims through a dedicated Workers' Compensation Court, and its retroactive trigger is an unusually long six weeks.
Nebraska vs neighboring states
- Colorado: about $2.39 per $100 of payroll
- Iowa: about $2.58 per $100 of payroll
- Missouri: about $4.07 per $100 of payroll
- Wyoming: about $2.39 per $100 of payroll
Nebraska does not publish its figure, so the first row is the US median. Among neighbors that publish, Colorado is the cheapest for flooring comp at about $2.39 and Missouri the most expensive at about $4.07 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.