Best WC for FL Masonry Contractors

Masonry work in Florida is classified under NCCI code 5022 (Masonry — not otherwise classified), which covers brick, block, stone, and tile work in construction. The base rate for code 5022 in Florida is $5.22 per $100 of payroll, reflecting the physical demands of masonry work, the risk of musculoskeletal injuries from heavy lifting, and the exposure to silica dust from cutting masonry materials.

Masonry contractors who also perform stucco application may have employees classified under 5482 (Plastering or Stucco Work). Tile setters may be classified under 5348 (Tile, Stone, Mosaic, or Terrazzo Work). Proper classification of all operations ensures accurate premium calculation and avoids audit surprises.

Masonry contractors who cut, grind, or drill masonry materials face exposure to respirable crystalline silica, which can cause silicosis — a serious and irreversible lung disease. OSHA's silica standard for construction (29 CFR 1926.1153) requires masonry contractors to implement engineering controls, respiratory protection, and medical surveillance programs for employees exposed to silica above the action level.

Carriers underwriting masonry contractors are increasingly asking about silica exposure controls during the underwriting process. Contractors who can demonstrate compliance with OSHA's silica standard and provide documentation of their exposure control plan are viewed more favorably by underwriters and may qualify for schedule credits.

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

The primary workers' comp class code for masonry in Florida is 5022 (Masonry — not otherwise classified). Stucco work may be classified under 5482, and tile work under 5348. The correct code depends on the specific masonry operations performed.

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

Florida workers' comp rates for masonry contractors under code 5022 are $5.22 per $100 of payroll. On $250,000 in annual payroll, that's $13,050 in base premium before experience modification and schedule credits.