Workers' Comp Cost for Plumbing Contractors in Pensacola, FL
Florida 2026 rate: $2.25–$4.00 per $100 payroll per $100 payroll (Class Code 5183). $3,000–$10,000 for a small plumbing company.
Plumbing Contractors Workers' Comp in Pensacola
Florida workers' comp rates are set statewide by the FWCJUA and NCCI — they do not vary by city. Whether you're a plumbing contractors in Pensacola or anywhere else in Florida, the 2026 base rate for class code 5183 is $2.25–$4.00 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 Pensacola-area contractors.
Rate Range
$2.25–$4.00
per $100
Class Code
5183
NCCI 2026
Same-Day
COI
available
What Affects Your Premium
- Annual payroll for all plumbers and helpers
- Type of work (residential service vs. commercial new construction)
- Experience modification rate (EMR)
- Number of employees vs. exempt officers
- Claims history
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Bilingual agents available. Same-day quotes and COI issuance for Pensacola-area plumbing contractors.
Other Trades in Pensacola
FAQs — Plumbing Contractors Workers' Comp in Pensacola
How much does workers' comp cost for a plumbing contractor in Florida?
Florida plumbing workers' comp costs approximately $2.25–$4.00 per $100 of payroll under class code 5183. For a plumbing company with $150,000 in annual payroll, expect a base premium of $3,375–$6,000 before your experience mod. Plumbing is one of the more affordable construction trades for workers' comp.
Do plumbing contractors in Florida need workers' comp?
Yes. Florida requires plumbing contractors with 1 or more employees in the construction industry to carry workers' compensation. Corporate officers can file exemptions. Your plumbing contractor license requires proof of workers' comp or a valid exemption on file with DBPR.
What is a ghost policy for a Florida plumber?
A ghost policy (also called a workers' comp policy with all officers excluded) is a workers' comp policy that provides no actual coverage but satisfies the COI requirement for sole proprietors and small companies where all officers are exempt. It's used when a GC requires a COI but the plumber has no employees. Bright Coast Insurance can issue ghost policies same-day.
Can a plumbing contractor owner exempt themselves from workers' comp in Florida?
Yes. Corporate officers of plumbing companies can file an exemption from workers' compensation coverage. Up to 3 officers per company can be exempt. The exemption must be renewed every 2 years and must be on file with your Florida plumbing contractor license.
Plumbing Contractors Workers' Comp Cost in Other Florida Cities
Get a Plumbing Contractors Workers' Comp Quote in Pensacola
Same-day quotes and COI issuance. Bilingual agents available.