Concrete Contractor Workers Comp Florida — Codes 5213/5221, Rates [2026]
Florida Workers' Compensation Insurance | Concrete Contractors
Florida Workers' Compensation Requirements for Concrete Contractors
Workers' comp for Florida concrete contractors: class codes 5213 & 5221. Required for 1+ employee. Same-day COI from Bright Coast Insurance.
Who Needs Workers' Compensation Insurance in Florida
Florida law requires workers' compensation coverage for concrete contractors with one or more employees. Sole proprietors and partners may be exempt, but corporate officers in the construction industry must be covered unless they file a specific exemption with the Florida Division of Workers' Compensation. Subcontractors without their own coverage may be treated as employees of the general contractor.
How Rates Are Calculated
Florida workers' compensation rates are set by NCCI advisory filings and approved by the Florida Office of Insurance Regulation. Your final premium is calculated as: (Payroll ÷ 100) × Class Code Rate × Experience Modifier. Contractors with a clean loss history and an active drug-free workplace program can qualify for discounts of up to 5%.
Related Resources
Concrete Contractors Class Code | Concrete Contractors General Liability | Florida Workers' Compensation Hub | Concrete Contractors WC Cost Guide | Same-Day COI | Get a Free Quote.
Get a Free Quote from Bright Coast Insurance
Bright Coast Insurance provides workers' compensation quotes for concrete contractors throughout Florida. Call or text (239) 475-0361 or request a free quote online. Bilingual agents available. Same-day certificates of insurance for qualified accounts.