Workers' Comp Cost for Masonry Contractors in Cape Coral, FL
Florida 2026 rate: $4.50–$7.00 per $100 payroll per $100 payroll (Class Code 5022). $6,500–$18,000 for a small masonry crew.
Masonry Contractors Workers' Comp in Cape Coral
Florida workers' comp rates are set statewide by the FWCJUA and NCCI — they do not vary by city. Whether you're a masonry contractors in Cape Coral or anywhere else in Florida, the 2026 base rate for class code 5022 is $4.50–$7.00 per $100 payroll per $100 of payroll. However, local carrier availability and market competition can affect the final premium you're quoted. Bright Coast Insurance works with multiple carriers to find the best rate for Cape Coral-area contractors.
Rate Range
$4.50–$7.00
per $100
Class Code
5022
NCCI 2026
Same-Day
COI
available
What Affects Your Premium
- Annual payroll for all masons and laborers
- Type of masonry work (block, brick, stone, stucco)
- Scaffolding usage and height of work
- Experience modification rate (EMR)
- Claims history
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Bilingual agents available. Same-day quotes and COI issuance for Cape Coral-area masonry contractors.
Other Trades in Cape Coral
FAQs — Masonry Contractors Workers' Comp in Cape Coral
How much does workers' comp cost for a masonry contractor in Florida?
Florida masonry workers' comp costs approximately $4.50–$7.00 per $100 of payroll under class code 5022. For a masonry crew with $150,000 in annual payroll, expect a base premium of $6,750–$10,500 before your experience mod.
Do masonry contractors in Florida need workers' comp?
Yes. Florida requires masonry contractors with 1 or more employees in the construction industry to carry workers' compensation. Corporate officers can file exemptions (up to 3 per company).
What class code is used for masonry contractors in Florida?
Florida masonry contractors primarily use class code 5022 (Masonry NOC). This covers brick, block, stone, and stucco work. Some carriers may classify stucco work separately.
How can a masonry contractor lower their workers' comp cost in Florida?
Key ways to lower masonry workers' comp costs: implement a strong safety program focused on back injury prevention and fall protection, maintain a low experience mod, use pay-as-you-go billing, and properly classify office staff separately from field workers.
Masonry Contractors Workers' Comp Cost in Other Florida Cities
Get a Masonry Contractors Workers' Comp Quote in Cape Coral
Same-day quotes and COI issuance. Bilingual agents available.