Class code 4581: Phosphate Works & Drivers
Class 4581 is the NCCI workers' comp code for “Phosphate Works & Drivers”.
The facts
- Official wording (NCCI)
- Phosphate Works & Drivers
- Industry group (our dictionary)
- Manufacturing
- Hazard group
- F
- State codes that differ
- CA 1710 · DE 0573 · MI 4583 · NJ 4583 · NY 1452 · PA 0573 · TX 4583
- Line
- Workers' comp
What it means
Class 4581 is the code carriers use to rate workers' comp payroll for this kind of work.
Drivers who work for the business are rated in this same code.
NCCI hazard group F, on a scale from A (least severe claims) to G (most severe).
Some states use their own code for this work: California 1710, Delaware 0573, Michigan 4583, New Jersey 4583, New York 1452, Pennsylvania 0573, Texas 4583.
Who writes class 4581, state by state
From our live eligibility engine, refreshed every day (page updated November 1, 2026). It shows who has appetite, not a price. The final decision is always the carrier's underwriter.
Instant quote available 45
No market listed yet 0
State fund only 4
North Dakota (North Dakota Workforce Safety & Insurance) · Ohio (Ohio Bureau of Workers' Compensation) · Washington (Washington Department of Labor & Industries) · Wyoming (Wyoming Department of Workforce Services)
Carriers with appetite for class 4581
- Travelers · 44 states · instant quote
- CopperPoint · 19 states · instant quote
- PIE- Sirius America Insurance Company · 47 states
- V3- National Liability & Fire Insurance Company · 47 states
- Ascendant Commercial Insurance · 46 states
- Amerisafe · 28 states
- Omaha National · 28 states
- AIG · 7 states
- Accident Fund Insurance Company Of America · 5 states
What does class code 4581 cover?
Class 4581 is the NCCI workers' comp code for “Phosphate Works & Drivers”. Carriers use it to rate the payroll of people doing this kind of work. It sits in NCCI hazard group F.
Who writes class code 4581 workers' comp?
In our live appetite data (updated November 1, 2026), 9 carriers have appetite for class 4581 in at least one state, and 2 of them quote it instantly. An instant quote is available in 45 states. The final decision is always the carrier's underwriter.
Does every state use class code 4581?
No. In our dictionary these states use their own code for this work: California 1710, Delaware 0573, Michigan 4583, New Jersey 4583, New York 1452, Pennsylvania 0573, Texas 4583. North Dakota, Ohio, Washington and Wyoming write workers' comp through the state fund.