Best WC for FL Concrete Contractors

Concrete work in Florida is classified under several NCCI codes depending on the type of work performed. Code 5213 (Concrete Construction — not otherwise classified) covers most concrete flatwork, foundations, and structural concrete. Code 5221 (Concrete or Cement Work — floors, driveways, yards) covers flatwork specifically. The base rates for these codes in Florida are $5.18 (code 5213) and $3.87 (code 5221) per $100 of payroll, reflecting the physical demands of concrete work and the risk of musculoskeletal injuries from heavy lifting and vibration exposure.

Florida concrete contractors face several risks that are specific to the state's environment and construction market. The combination of heat, humidity, and the physical demands of concrete work creates a significant heat illness risk during summer months. Concrete contractors who pour slabs in direct sun during Florida's summer face some of the most challenging working conditions of any trade.

Florida's active construction market also means that concrete contractors frequently work alongside other trades on busy job sites, increasing the risk of struck-by and caught-between injuries. Carriers underwriting Florida concrete contractors factor these risks into their pricing, and contractors who can demonstrate strong safety programs and low claim frequency are rewarded with competitive rates.

What is the workers comp class code for concrete contractors in Florida?

The primary workers' comp class code for concrete construction in Florida is 5213 (Concrete Construction — not otherwise classified). Concrete flatwork (driveways, floors, sidewalks) may be classified under 5221. The correct code depends on the type of concrete work performed.

How much does workers comp cost for a concrete contractor in Florida?

Florida workers' comp rates for concrete contractors are $5.18 (code 5213) or $3.87 (code 5221) per $100 of payroll. On $250,000 in annual payroll, that's $9,675–$12,950 in base premium before experience modification and schedule credits.