Workers' Comp Cost for Framing Contractors in Jacksonville, FL
Florida 2026 rate: $3.50–$6.50 per $100 payroll per $100 payroll (Class Code 5403). $5,500–$16,000 for a small framing crew.
Framing Contractors Workers' Comp in Jacksonville
Florida workers' comp rates are set statewide by the FWCJUA and NCCI — they do not vary by city. Whether you're a framing contractors in Jacksonville or anywhere else in Florida, the 2026 base rate for class code 5403 is $3.50–$6.50 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 Jacksonville-area contractors.
Rate Range
$3.50–$6.50
per $100
Class Code
5403
NCCI 2026
Same-Day
COI
available
What Affects Your Premium
- Annual payroll for all framers and laborers
- Type of framing (residential vs. commercial, wood vs. metal stud)
- Experience modification rate (EMR)
- Fall protection program quality
- Claims history
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Bilingual agents available. Same-day quotes and COI issuance for Jacksonville-area framing contractors.
Other Trades in Jacksonville
FAQs — Framing Contractors Workers' Comp in Jacksonville
How much does workers' comp cost for a framing contractor in Florida?
Florida framing workers' comp costs approximately $3.50–$6.50 per $100 of payroll under class code 5403. For a framing crew with $150,000 in annual payroll, expect a base premium of $5,250–$9,750 before your experience mod.
Do framing contractors in Florida need workers' comp?
Yes. Florida requires framing 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 framing contractors in Florida?
Florida framing contractors primarily use class code 5403 (Carpentry NOC). This covers wood frame construction for walls, floors, and roof framing. Metal stud framing may use a different code depending on the carrier.
How can a framing contractor lower their workers' comp cost in Florida?
The best ways to lower framing workers' comp costs are: maintain a strong safety program with documented fall protection training, keep your experience mod below 1.0, use pay-as-you-go billing, and properly classify office staff separately from field workers.
Framing Contractors Workers' Comp Cost in Other Florida Cities
Get a Framing Contractors Workers' Comp Quote in Jacksonville
Same-day quotes and COI issuance. Bilingual agents available.