Wyoming Flooring Workers Comp Rates (2026)
Wyoming employers buy flooring workers comp from the state fund. The 2026 base rate for class 238000 (Specialty Trade Contractors) is $2.39 per $100 of payroll, before your experience modifier.
The state fund sets one base rate per class; your experience modifier moves it up or down. Source.
Wyoming class code for flooring
- 238000: Specialty Trade Contractors
Monopolistic state fund that classifies employers by NAICS industry groups (about 127 classes) instead of NCCI occupational codes, so all specialty trades share one class (238000).
Flooring carries knee injury, back strain, silica dust from cutting tile or concrete, and adhesive vapor risks.
What comp costs per flooring installer in Wyoming
The Bureau of Labor Statistics counts 3,350 construction laborers on payrolls in Wyoming (May 2025), the 46th largest workforce among the 50 states and DC. The median wage is $22.13 an hour, 2% below the US median of $22.66.
This trade is a bigger part of the Wyoming job market than it is nationally: construction laborers hold 1.7 times their national share of jobs there.
At the Wyoming state fund's 2026 base rate of $2.39 per $100 of payroll for class 238000, 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. Wyoming pay runs from $17.14 an hour at the 10th percentile to $27.69 at the 90th, so the same rate costs $0.41 an hour on a new hire and $0.66 on a senior hand.
Workers comp requirements in Wyoming
- Coverage required: Any employee in construction and other extrahazardous work (occupation-based, not headcount)
- Owners and sole proprietors: Owners, partners, and officers excluded; may elect optional coverage by affidavit
- State fund: Monopolistic; coverage only from the state Workers' Safety & Compensation Division
- Waiting period: 3 days
- Penalty for going without: An uninsured employer loses exclusive-remedy protection and can be sued directly
Wyoming triggers coverage by occupation (listed extrahazardous NAICS codes, which include construction) rather than by employee count.
Wyoming vs neighboring states
Wyoming has the lowest flooring comp rate in its region; every neighboring state charges more per $100 of payroll.
If your crews cross into Colorado or Idaho or Montana or Nebraska or South Dakota or Utah, your Wyoming state-fund coverage does not follow them. Buy a private policy for the out-of-state work, with Wyoming excluded from it.
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.