Workers' Comp Cost for Plumbing Contractors in Florida
2026 Florida rate: $2.25–$4.00 per $100 payroll per $100 of payroll. $3,000–$10,000 for a small plumbing company.
2026 Rate Range
$2.25–$4.00 per $100 payroll
per $100 payroll
NCCI Class Code
5183
Florida 2026
Typical Annual Premium
$3,000–$10,000 for a small plumbing company
before experience mod
Florida Workers' Comp Rates for Plumbing Contractors
Plumbing contractors in Florida use class code 5183 (Plumbing NOC and Drivers) with a FWCJUA 2026 rate of $2.737 per $100 of payroll. Plumbing is one of the lower-risk construction trades for workers' comp purposes.
Key Facts
- Class code 5183 covers all plumbing work including new installation, repair, and service
- Corporate officers can file exemptions (up to 3 per company)
- Florida plumbing license requires proof of workers' comp or exemption
- Ghost policies are available for sole proprietor plumbers who need a COI
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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Plumbing Contractors Workers' Comp Cost by City
Florida rates are statewide, but local carrier availability varies. Find city-specific information:
Frequently Asked Questions — Plumbing Contractors Workers' Comp
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.
Workers' Comp Cost for Other Florida Trades
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