Masonry Contractor Workers Comp Florida — Code 5022, $5.22 Rate [2026]
Florida Workers' Compensation Insurance | Masonry Contractors
Florida Workers' Compensation Requirements for Masonry Contractors
Workers' comp for Florida masonry contractors: class code 5022. Required for 1+ employee. Competitive rates, same-day COI. Call (239) 475-0361.
Who Needs Workers' Compensation Insurance in Florida
Florida law requires workers' compensation coverage for masonry contractors with one or more employees. Sole proprietors and partners may be exempt, but corporate officers in the construction industry must be covered unless they file a specific exemption with the Florida Division of Workers' Compensation. Subcontractors without their own coverage may be treated as employees of the general contractor.
How Rates Are Calculated
Florida workers' compensation rates are set by NCCI advisory filings and approved by the Florida Office of Insurance Regulation. Your final premium is calculated as: (Payroll ÷ 100) × Class Code Rate × Experience Modifier. Contractors with a clean loss history and an active drug-free workplace program can qualify for discounts of up to 5%.
Related Resources
Masonry Contractors Class Code | Masonry Contractors General Liability | Florida Workers' Compensation Hub | Masonry Contractors WC Cost Guide | Same-Day COI | Get a Free Quote.
Get a Free Quote from Bright Coast Insurance
Bright Coast Insurance provides workers' compensation quotes for masonry contractors throughout Florida. Call or text (239) 475-0361 or request a free quote online. Bilingual agents available. Same-day certificates of insurance for qualified accounts.