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If you erect, alter, demolish or repair improvements you are regarded as a construction industry employer and are required to purchase workers′ compensation insurance if you have one or more employees. The law does not contain a list of employers who are classified as construction industry employers. However, carpenters, plumbers, electricians, roofers, painters, landscapers, welders, machinery installers, concrete construction workers, earth movers or drillers, generally fall within the contracting classification codes.
Please check the Department of Insurance, Financial Institutions and Professional Registration website for information relating to the Contractors Credit Premium Adjustment Program that provides a premium credit for construction industry employers who pay high hourly wages. It applies only to the construction class codes--it does not apply to office workers or other non-construction employees.