Workers' Comp Cost for Concrete Contractors in Florida
2026 Florida rate: $5.184 per $100 payroll (FWCJUA 2026) per $100 of payroll. $6,500–$18,000 for a small concrete crew.
2026 Rate Range
$5.184 per $100 payroll (FWCJUA 2026)
per $100 payroll
NCCI Class Code
5213
Florida 2026
Typical Annual Premium
$6,500–$18,000 for a small concrete crew
before experience mod
Florida Workers' Comp Rates for Concrete Contractors
Concrete contractors in Florida use class code 5213 (Concrete Construction NOC) with a FWCJUA 2026 rate of $5.184 per $100 of payroll. Concrete work is a higher-risk trade due to heavy lifting, chemical exposure, and machinery operation.
Key Facts
- Class code 5213 covers concrete foundations, slabs, walls, and structural concrete
- Concrete work is higher-risk due to heavy lifting, chemical burns, and equipment hazards
- Corporate officers can file exemptions (up to 3 per company)
- Pay-as-you-go workers' comp is available and recommended for concrete contractors
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
Get Your Exact Rate
Every contractor's premium is different. Call us for a precise quote.
Concrete Contractors Workers' Comp Cost by City
Florida rates are statewide, but local carrier availability varies. Find city-specific information:
Frequently Asked Questions — Concrete Contractors Workers' Comp
How much does workers' comp cost for a concrete contractor in Florida?
Florida concrete workers' comp costs $5.184 per $100 of payroll under class code 5213 (FWCJUA 2026 manual rate). For a concrete crew with $150,000 in annual payroll, the base premium before your experience mod is approximately $7,776.
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.
Workers' Comp Cost for Other Florida Trades
Roofing Contractors
$6.752 per $100 payroll (FWCJUA 2026)
General Contractors
$4.364 per $100 payroll (FWCJUA 2026, code 5403)
HVAC Contractors
$2.995 per $100 payroll (FWCJUA 2026)
Electrical Contractors
$2.969 per $100 payroll (FWCJUA 2026)
Plumbing Contractors
$2.737 per $100 payroll (FWCJUA 2026)
Framing Contractors
$4.364 per $100 payroll (FWCJUA 2026, code 5403)