Workers' Comp Cost for Plumbing Contractors in Florida
2026 Florida rate: $2.737 per $100 payroll (FWCJUA 2026) per $100 of payroll. $3,000–$10,000 for a small plumbing company.
2026 Rate Range
$2.737 per $100 payroll (FWCJUA 2026)
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
Get Your Exact Rate
Every contractor's premium is different. Call us for a precise quote.
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 $2.737 per $100 of payroll under class code 5183 (FWCJUA 2026 manual rate). For a plumbing company with $150,000 in annual payroll, the base premium before your experience mod is approximately $4,106. 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
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)
Framing Contractors
$4.364 per $100 payroll (FWCJUA 2026, code 5403)
Concrete Contractors
$5.184 per $100 payroll (FWCJUA 2026)