Workers' Comp Cost for Concrete Contractors in Orlando, FL
Florida 2026 rate: $4.50–$7.00 per $100 payroll per $100 payroll (Class Code 5213). $6,500–$18,000 for a small concrete crew.
Concrete Contractors Workers' Comp in Orlando
Florida workers' comp rates are set statewide by the FWCJUA and NCCI — they do not vary by city. Whether you're a concrete contractors in Orlando or anywhere else in Florida, the 2026 base rate for class code 5213 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 Orlando-area contractors.
Rate Range
$4.50–$7.00
per $100
Class Code
5213
NCCI 2026
Same-Day
COI
available
What Affects Your Premium
- Annual payroll for all concrete workers and operators
- Type of concrete work (foundations, flatwork, structural)
- Equipment usage (pump trucks, mixers)
- Experience modification rate (EMR)
- Claims history
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Bilingual agents available. Same-day quotes and COI issuance for Orlando-area concrete contractors.
FAQs — Concrete Contractors Workers' Comp in Orlando
How much does workers' comp cost for a concrete contractor in Florida?
Florida concrete workers' comp costs approximately $4.50–$7.00 per $100 of payroll under class code 5213. For a concrete crew with $150,000 in annual payroll, expect a base premium of $6,750–$10,500 before your experience mod.
Do concrete contractors in Florida need workers' comp?
Yes. Florida requires concrete 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 concrete contractors in Florida?
Florida concrete contractors primarily use class code 5213 (Concrete Construction NOC). This covers foundations, slabs, walls, and structural concrete. Concrete pumping operations may use a separate code.
How can a concrete contractor lower their workers' comp cost in Florida?
Key ways to lower concrete workers' comp costs: implement a strong safety program focused on back injury prevention and chemical handling, maintain a low experience mod, use pay-as-you-go billing, and properly classify office and administrative staff separately.
Concrete Contractors Workers' Comp Cost in Other Florida Cities
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