Nebraska Painting Workers Comp Rates (2026)
Nebraska does not publish its painting class figures online. Across the 26 states that do, the median typical premium is about $4.43 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 painting
- 5474: Painting NOC & Shop Operations, Drivers
- 5037 (Painting: Metal Structures - Over Two Stories in Height & Drivers)
- 5491 (Paperhanging & Drivers)
Painting carries ladder fall risk, solvent exposure and lead paint hazards in buildings built before 1978.
What comp costs per painter in Nebraska
The Bureau of Labor Statistics counts 1,590 painters on payrolls in Nebraska (May 2025), the 34th largest workforce among the 50 states and DC. The median wage is $22.73 an hour, 4% below the US median of $23.75.
Painters make up about the same share of Nebraska jobs as they do nationally (location quotient 1.07).
At the US median of $4.43 per $100 of payroll (Nebraska does not publish its figure online), comp on one worker at that wage costs about $1.01 for every hour worked, or $2,094 a year full time. A 3-person crew comes to roughly $6,283 a year in premium before any experience mod.
Because premium is charged on payroll, who you hire moves the bill. Nebraska pay runs from $16.06 an hour at the 10th percentile to $27.88 at the 90th, so the same rate costs $0.71 an hour on a new hire and $1.24 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 $3.78 per $100 of payroll
- Iowa: about $4.45 per $100 of payroll
- Missouri: about $5.51 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, Wyoming is the cheapest for painting comp at about $2.39 and Missouri the most expensive at about $5.51 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 painting comp bill
- Painting rates are set by height and surface: interior repaint work and exterior or industrial painting can fall into different classes in many states. Describe your mix accurately at quote time.
- Ladder and scaffold falls are the costly claims. Scaffold training and inspection logs help when you ask a carrier for safety credits.
- Painting crews lean on 1099 labor. Without a certificate of insurance on file, the auditor will add those payments to your payroll.
- Seasonal exterior work makes payroll hard to forecast. Estimate the year, not your busiest month, so the deposit and the audit stay close.