Workers comp rates for code 6203: Excavation - For Foundations
NCCI class code 6203 covers Excavation - For Foundations in the construction industry. The filed rate in Washington is $0.443 per $100 payroll, per the state's most recent rate filing.
Also known as: Foundation Excavation · Footing Excavation
What does NCCI class code 6203 cover?
Class code 6203 classifies employees performing Excavation - For Foundations, also known as Foundation Excavation, Footing Excavation. The NCCI classification system groups occupations by similar workplace exposure, loss-experience patterns, and operational characteristics. Code 6203 falls within the construction industry group and is filed in Washington.
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 6203, 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 code 6203 only appears in Washington
Some class codes are state-specials: classifications a single rating bureau maintains for an occupation that other states fold into broader codes. Code 6203 currently has a filed rate only in Washington ($0.443 per $100 payroll). If you operate in another state, your insurer will classify the same work under a different code, use the class-code finder to locate the equivalent for your state.
How to use this code 6203 rate data
- 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 6203 at the same base can vary 30%+ on effective rate after these adjustments.
- 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 6203 rates in all 1 states
| State | Code | Rate per $100 | vs peers | Source |
|---|---|---|---|---|
| Washington monopolistic | 6203 | $0.443 | - | view |
Bottom quartile (cheap) Mid Top quartile (expensive)
What types of claims drive code 6203 rates?
Workers comp rate filings for code 6203 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 Excavation - For Foundations, the top drivers are typically:
- Falls from elevation, OSHA's #1 cited construction hazard, drives 25-35% of indemnity claim cost in construction-class codes.
- Struck-by and caught-between, including vehicle, equipment, and falling-object incidents, account for 15-20% of severity.
- Cumulative trauma from repetitive lifting, overhead work, and awkward postures drives long-tail medical cost.
- Electrical injuries, when present, are low-frequency but extreme-severity claims that disproportionately affect rate filings.
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 6203.
FAQs about NCCI 6203
What occupation is NCCI class code 6203?
Class code 6203 is "Excavation - For Foundations" (also known as Foundation Excavation, Footing Excavation), in the construction industry. The code is filed in Washington.
What is the average workers comp rate for code 6203?
In Washington, the filed rate for code 6203 is $0.443 per $100 of payroll, per the state's most recent rate filing.
Why does code 6203 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.