Workers comp rates for code 4558: Cosmetics Manufacturing
NCCI class code 4558 covers Cosmetics Manufacturing in the manufacturing industry. The median rate across 23 states is $0.920 per $100 payroll. Rates range from $0.340 in Utah to $2.58 in California.
Also known as: Perfume manufacturing · Toilet preparation manufacturing
Cheapest 5 states for code 4558
Most expensive 5 states
- California $2.58
- New Jersey $2.43
- Illinois $2.24
- Hawaii $1.95
- New York $1.90
What does NCCI class code 4558 cover?
Class code 4558 classifies employees performing Cosmetics Manufacturing, also known as Perfume manufacturing, Toilet preparation manufacturing. The NCCI classification system groups occupations by similar workplace exposure, loss-experience patterns, and operational characteristics. Code 4558 falls within the manufacturing industry group and is filed in 23 states.
NCCI's governing classification rules state that a single-classification employer with at least 51% of payroll in this occupation generally classifies all employees under code 4558, with two standard exceptions: clerical office work (segregated payroll records required, reported under code 8810) and outside sales / collectors (code 8742). If your operation has multiple distinct activities, ask your underwriter about a multi-class split before accepting a single-code rating.
Why rates for code 4558 vary so widely across states
The rate spread for code 4558 is 7.6× from cheapest to most expensive ($0.340 in Utah to $2.58 in California). This isn't randomness, it reflects each state's claim experience for the occupation over the most-recent 5-year window NCCI uses, medical inflation in that state's hospital/clinic market, indemnity (lost-wage) cost levels driven by state maximum weekly benefit caps, and rating-bureau methodology. Independent-bureau states (California's WCIRB, New York's NYCIRB, Pennsylvania's PCRB, New Jersey's NJCRIB, Massachusetts's WCRIBMA, Delaware's DCRB, Wisconsin's WCRB, North Carolina's NCRB, Texas's TDI) often diverge significantly from NCCI's national pure premium, sometimes by 30% or more on the same occupation. Monopolistic-fund states (Ohio, North Dakota, Washington, Wyoming) don't allow private carrier competition, so the state fund's pricing is the only available option.
How to use this code 4558 rate data
- Benchmark your carrier quote. A carrier quoting code 4558 above the $1.46 75th-percentile rate is asking for a premium-rated quote, push back or get a second quote.
- Identify the right state filing. Use the table below to find your state's filed rate. If your carrier is quoting at a higher rate, the difference is either schedule debit, EMR, deductible loading, or a state-fund surcharge, ask which.
- Calculate your effective rate. Effective rate = base rate × EMR ± schedule credit/debit ± deductible loading. Two carriers quoting code 4558 at the same base can vary 30%+ on effective rate after these adjustments.
- Consider lower-rate states if locationally flexible. For code 4558, Utah ($0.340) is 87% cheaper than California ($2.58). Multi-state employers split payroll by state-of-work, not state-of-headquarters, so locating the high-payroll site in a cheaper state directly lowers premium.
- Build a 3-year EMR strategy. A 0.85 EMR cuts base rate by 15%; the difference between 0.85 and 1.25 EMR on the same code is a 47% premium difference. Frequency control (preventing every claim, even small ones) drives EMR more than severity control.
Code 4558 rates in all 23 states
| State | Code | Rate per $100 | vs peers | Source |
|---|---|---|---|---|
| Utah | 4558 | $0.340 | 5% | view |
| Alabama | 4558 | $0.480 | 9% | view |
| Kansas | 4558 | $0.630 | 14% | view |
| Virginia | 4558 | $0.640 | 18% | view |
| Tennessee | 4558 | $0.650 | 23% | view |
| Kentucky | 4558 | $0.670 | 27% | view |
| Alabama | 4558 D | $0.710 | - | view |
| Maryland | 4558 | $0.760 | 32% | view |
| Alaska | 4558 | $0.860 | 36% | view |
| Oregon | 4558 | $0.870 | 41% | view |
| Louisiana | 4558 | $0.880 | 45% | view |
| Oklahoma | 4558 | $0.920 | 50% | view |
| Indiana | 4558 | $0.960 | 55% | view |
| Michigan | 4558 | $1.00 | 59% | view |
| Arkansas | 4558 | $1.03 | 64% | view |
| Rhode Island | 4558 | $1.04 | 68% | view |
| Minnesota | 4558 | $1.08 | 73% | view |
| Nevada | 4558 | $1.46 | 77% | view |
| New York | 4558 | $1.90 | 82% | view |
| Hawaii | 4558 | $1.95 | 86% | view |
| Illinois | 4558 | $2.24 | 91% | view |
| New Jersey | 4558 | $2.43 | 95% | view |
| California | 4558 | $2.58 | 100% | view |
Bottom quartile (cheap) Mid Top quartile (expensive)
What types of claims drive code 4558 rates?
Workers comp rate filings for code 4558 reflect what's actually happening on the job, not just generic occupation hazard. NCCI publishes loss-cost analyses showing which injury categories account for the bulk of indemnity (lost-wage) and medical claim cost. For Cosmetics Manufacturing, the top drivers are typically:
- Caught-in machinery from lockout/tagout failures, high severity per claim, drives rate spikes when present.
- Repetitive motion injuries, carpal tunnel and tendinitis from production-line work, dominate claim frequency.
- Material handling strains, lifting, twisting, pushing-pulling, are pervasive across all manufacturing codes.
- Chemical exposure, when applicable, produces both acute and long-latency claims.
Targeting these drivers in your safety program produces the largest EMR improvement. Frequency control (preventing every claim, including small medical-only incidents) drives the modifier more than severity control. A documented written safety program addressing the top two drivers above is typically the highest-ROI intervention for employers paying for code 4558.
FAQs about NCCI 4558
What occupation is NCCI class code 4558?
Class code 4558 is "Cosmetics Manufacturing" (also known as Perfume manufacturing, Toilet preparation manufacturing), in the manufacturing industry. The code is filed in 23 states.
What is the average workers comp rate for code 4558?
The median rate across 23 states is $0.920 per $100 of payroll, ranging from $0.340 (Utah) to $2.58 (California).
Why does code 4558 cost more in some states than others?
Workers comp rates reflect each state's loss experience for that occupation, the rating bureau's methodology (NCCI vs. independent), schedule rating credits, and the state's medical-cost inflation. Some states are monopolistic (only the state fund writes coverage) while others are open competitive markets.