Workers' Comp Cost for Framing Contractors in Florida
2026 Florida rate: $3.50–$6.50 per $100 payroll per $100 of payroll. $5,500–$16,000 for a small framing crew.
2026 Rate Range
$3.50–$6.50 per $100 payroll
per $100 payroll
NCCI Class Code
5403
Florida 2026
Typical Annual Premium
$5,500–$16,000 for a small framing crew
before experience mod
Florida Workers' Comp Rates for Framing Contractors
Framing contractors in Florida use class code 5403 (Carpentry NOC) with a FWCJUA 2026 rate of $4.364 per $100 of payroll. Framing is a higher-risk trade due to fall hazards and the physical nature of the work.
Key Facts
- Class code 5403 covers wood frame construction including walls, floors, and roof framing
- Framing is higher-risk due to fall hazards and heavy material handling
- Corporate officers can file exemptions (up to 3 per company)
- Florida framing contractors must carry workers' comp for all employees
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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Framing Contractors Workers' Comp Cost by City
Florida rates are statewide, but local carrier availability varies. Find city-specific information:
Frequently Asked Questions — Framing Contractors Workers' Comp
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.
Workers' Comp Cost for Other Florida Trades
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