Workers' Comp Cost for Masonry Contractors in Florida
2026 Florida rate: $4.50–$7.00 per $100 payroll per $100 of payroll. $6,500–$18,000 for a small masonry crew.
2026 Rate Range
$4.50–$7.00 per $100 payroll
per $100 payroll
NCCI Class Code
5022
Florida 2026
Typical Annual Premium
$6,500–$18,000 for a small masonry crew
before experience mod
Florida Workers' Comp Rates for Masonry Contractors
Masonry contractors in Florida use class code 5022 (Masonry NOC) with a FWCJUA 2026 rate of $5.22 per $100 of payroll. Masonry is a higher-risk trade due to heavy lifting, fall hazards, and the physical demands of the work.
Key Facts
- Class code 5022 covers brick, block, stone, and stucco work
- Masonry is higher-risk due to heavy lifting and fall hazards from scaffolding
- Corporate officers can file exemptions (up to 3 per company)
- Stucco contractors may use a separate code depending on the carrier
What Affects Your Premium
- Annual payroll for all masons and laborers
- Type of masonry work (block, brick, stone, stucco)
- Scaffolding usage and height of work
- Experience modification rate (EMR)
- Claims history
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Masonry Contractors Workers' Comp Cost by City
Florida rates are statewide, but local carrier availability varies. Find city-specific information:
Frequently Asked Questions — Masonry Contractors Workers' Comp
How much does workers' comp cost for a masonry contractor in Florida?
Florida masonry workers' comp costs approximately $4.50–$7.00 per $100 of payroll under class code 5022. For a masonry crew with $150,000 in annual payroll, expect a base premium of $6,750–$10,500 before your experience mod.
Do masonry contractors in Florida need workers' comp?
Yes. Florida requires masonry 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 masonry contractors in Florida?
Florida masonry contractors primarily use class code 5022 (Masonry NOC). This covers brick, block, stone, and stucco work. Some carriers may classify stucco work separately.
How can a masonry contractor lower their workers' comp cost in Florida?
Key ways to lower masonry workers' comp costs: implement a strong safety program focused on back injury prevention and fall protection, maintain a low experience mod, 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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