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Workers Comp Class CodeLookup Tool
Search over 1218 workers' compensation class codes for FL, TX, MI, NC, CA, IL, and SC. Find your trade classification, see the current rate per $100 of payroll, and get a same-day quote.
1218+
Class Codes
7
States Covered
Free
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Most Searched
Top Florida Workers Comp Class Codes
The 12 class codes most commonly used by Florida contractors — with current NCCI rates per $100 of payroll. Click any code for the full description, rate history, and a premium estimate.
Roofing
Roofing — All Kinds & Drivers
General Contractor
Contracting — Executive Supervisor / GC
Electricians
Electrical Wiring Within Building & Drivers
Plumbers
Plumbing NOC and Drivers
Framers / Carpenters
Carpentry — Detached One & Two Family Dwellings
Concrete Contractors
Concrete Construction NOC
Masonry Contractors
Masonry NOC
Steel Erectors
Iron/Steel Erection — Dwellings Under 2 Stories
Structural Steel
Iron/Steel Structure Under 2 Stories
Office / Admin
Clerical Office Employees NOC
Outside Sales
Salespersons, Messengers — Outside
Iron / Steel Frame
Iron or Steel Erection — Frame Structures
Rates shown are Florida NCCI advisory loss costs effective 2024–2025. Actual premiums vary by carrier, experience modification factor, and payroll. Browse all Florida class codes →
How It Works
How NCCI Class Codes Determine Your Premium
Workers' comp class codes are the foundation of how your premium is calculated. Understanding how they work — and how misclassification can cost you — is essential for every Florida contractor.
NCCI Assigns the Code
The National Council on Compensation Insurance (NCCI) assigns a 4-digit code to every type of work based on injury risk. Florida and Texas both use NCCI codes.
Rate × Payroll = Base Premium
Each code has a rate per $100 of payroll. Multiply your annual payroll by that rate to get your base premium before experience modification (EMR) adjustments.
Misclassification Has Consequences
Using the wrong code — intentionally or not — can result in audit penalties, back premiums, or policy cancellation. An independent agent verifies your codes before binding.
One Code Per Employee Type
Most businesses have multiple class codes: one for field workers, one for supervisors (5606), and one for clerical staff (8810). Each payroll bucket is rated separately.
Premium Formula
(Annual Payroll ÷ 100) × Class Code Rate × EMR = Base Premium
Example: Florida roofing contractor (code 5551, rate $6.752) with $500,000 payroll and 1.0 EMR = $33,750 base premium. A 0.85 EMR (clean claims history) reduces that to $28,688.
Browse by State
Workers Comp Class Codes by State
Select a state to browse all available NCCI class codes and current rates. Florida is our primary market with the most comprehensive coverage — including contractor exemption rules and carrier options.
FL
Florida
Class Codes
384+
Avg Rate
$1.85
FWCJUA / NCCI • Effective 2026-01-01
TX
Texas
Class Codes
66+
Avg Rate
$0.95
TDI / NCCI • Effective 2026-07-01
MI
Michigan
Class Codes
77+
Avg Rate
$1.95
CAOM / NCCI • Effective 2026-01-01
NC
North Carolina
Class Codes
86+
Avg Rate
$1.42
NCRB / NCCI • Effective 2026-04-01
CA
California
Class Codes
493+
Avg Rate
$2.15
WCIRB • Effective 2026-09-01
IL
Illinois
Class Codes
51+
Avg Rate
$2.10
NCCI • Effective 2026-01-01
SC
South Carolina
Class Codes
61+
Avg Rate
$1.85
NCCI • Effective 2026-01-01
Florida Priority
Most-Searched Florida WC Class Codes
Florida contractors and business owners most frequently look up these class codes. Each page includes the 2026 NCCI rate, a premium calculator, audit pitfalls, and companion code splits.
Roofing Contractors
FL 2026 Rate · per $100 payroll
View Code
Plumbing — Residential & Commercial
FL 2026 Rate · per $100 payroll
View Code
Electrical Wiring — Within Buildings
FL 2026 Rate · per $100 payroll
View Code
HVAC Contractors
FL 2026 Rate · per $100 payroll
View Code
General Contractor Supervisor
FL 2026 Rate · per $100 payroll
View Code
Carpentry — Detached Dwellings
FL 2026 Rate · per $100 payroll
View Code
Janitorial Services — By Contractor
FL 2026 Rate · per $100 payroll
View Code
Clerical Office Employees
FL 2026 Rate · per $100 payroll
View Code
Common Questions
Workers Comp Class Code FAQ
What is a workers comp class code?
A workers' compensation class code is a 4-digit number assigned by NCCI to classify employees by their job duties and associated injury risk. Each code has a specific rate per $100 of payroll. Florida contractors are most commonly classified under codes 5551 (roofing), 5190 (electrical), 5183 (plumbing), 5645 (framing), and 5606 (general contractor supervisor).
What happens if I use the wrong class code?
Misclassification is discovered during your annual audit. If employees were underclassified, you'll owe back premium for the full policy year. In Florida, intentional misclassification can also trigger stop-work orders and fines of $1,000 per day. An independent agent reviews your codes before binding to prevent this.
Do all my employees need the same class code?
No. Most businesses use multiple codes — one for field workers, one for supervisors (5606 for GC executives), and one for clerical staff (8810). Each payroll bucket is rated separately. Accurate payroll allocation across codes is required to avoid audit penalties.
How does my experience modification factor (EMR) affect my premium?
Your EMR is a multiplier applied to your base premium based on your claims history. A 1.0 EMR is average. A 0.85 EMR (clean history) reduces your premium by 15%. A 1.20 EMR (frequent claims) increases it by 20%. Maintaining a low EMR is the single most effective way to reduce your workers' comp cost over time.
What states does Bright Coast Insurance cover for workers comp?
Bright Coast Insurance specializes in workers' compensation in Florida and Texas. Florida is our primary market, with deep expertise in Florida-specific requirements, FWCJUA eligibility, and contractor exemption rules.
What Are Class Codes?
Understanding Workers Comp Classification Codes
Workers' compensation class codes are 4-digit numbers assigned by NCCI to categorize the type of work performed by employees. Each code carries a specific rate per $100 of payroll, reflecting the relative risk of injury for that type of work.
Your workers' comp premium is calculated by multiplying your payroll by the applicable rate for each class code, then applying your experience modification factor (EMR) and any carrier adjustments.
Example: A roofing contractor in Florida (class code 5551) with $500,000 in payroll would pay approximately $33,750 in base premium (5551 rate of $6.752 × $500,000 / 100).
How Rates Are Set
Florida Workers Comp Rate Structure
Florida workers' compensation rates are filed by NCCI and approved by the Florida Office of Insurance Regulation (OIR). The FWCJUA (Florida Workers' Compensation Joint Underwriting Association) provides coverage for employers who cannot obtain coverage in the voluntary market.
Rates vary significantly by industry. Office workers (8810) may pay as little as $0.105 per $100 of payroll, while high-risk trades like iron/steel erection (5069) can exceed $15 per $100.
Your actual premium also depends on your claims history (experience modification), payroll size, and the specific carrier you work with. As an independent agency, Bright Coast shops multiple carriers to find you the best rate.
Rates shown are advisory loss costs or assigned risk rates. Your actual premium may differ based on your carrier, experience modification factor, and other underwriting factors. Contact Bright Coast Insurance for an accurate quote.
Best Workers Comp Insurance by Trade
Each trade has different class codes, carrier options, and rate ranges. Read our trade-specific comparison guides.
Related Workers' Comp Resources
Workers' comp class codes are just the starting point. Here's what Florida employers need to know about coverage, audits, and costs:
Why Bright Coast Insurance
The Difference Between Buying Insurance and Actually Being Covered
Online carriers make it easy to buy a policy. What they don't make easy is understanding what you bought, what it excludes, and what happens when you have a claim. That's the gap Bright Coast fills.
Multiple Markets, Not One Rate
We're independent agents — we work for you, not for a carrier. We shop your coverage across admitted and surplus lines markets to find the best combination of rate and coverage for your specific operation. Online platforms give you one carrier's rate and call it a quote.
Audit and Claims Experience
When a GL or workers' comp audit comes back inflated, or a claim gets denied on a technicality, you need someone who knows how to push back. We've handled hundreds of Florida contractor audits and claim disputes. That experience is what you're paying for — not just a policy number.
Same-Day Certificates
Our clients can request certificates of insurance 24/7 through our portal. Standard COIs are issued immediately. Custom additional insured wording is turned around the same business day. A delayed COI costs you jobs — we make sure that never happens.
Florida Contractor Specialization
We specialize in Florida contractor insurance. We know the DBPR requirements, the JUA, the difference between admitted and surplus lines markets, and why certain trades get declined by standard carriers. That depth of knowledge shows up when you need it most.
A Real Agent, Not a Support Ticket
When Next Insurance denied a contractor's claim because of a hidden per-job exclusion he never knew about, there was no one to call. With Bright Coast, you have a named agent who knows your policy, your operation, and your claims history. When something goes wrong, you're not starting from scratch.
Honest Advice Before You Buy
We'll tell you when a surplus lines carrier is the right call and why. We'll explain the difference between a $300K and a $1M limit in plain terms. We'll tell you what your policy doesn't cover before you bind — not after a claim is denied.
Bright Coast vs. Online Carriers
Independent Florida Insurance Agency vs. Direct Online Carriers
| What Matters | Bright Coast | Next / Hiscox / CoverWallet |
|---|---|---|
| Market access | Multiple admitted + surplus lines carriers | One carrier, one rate |
| Audit guidance | Proactive — before the bill arrives | Not offered |
| Claims advocacy | Agent stays involved | Self-service portal |
| COI turnaround | Same day — standard and custom | 2–5 business days for custom wording |
| Policy exclusions explained | Reviewed at binding | Buried in documents |
| Florida specialization | Contractor-focused, Florida-only | 50-state generalist platform |
Get a quote from an agent who specializes in Florida contractors
Tell us about your operation. We'll show you what the market looks like, explain every number, and make sure you're actually covered — not just technically insured.
For Insurance Agents & Brokers
Using This Workers' Comp Class Code Lookup for Underwriting Research
This tool is used by agents, brokers, and underwriters to verify NCCI class codes, compare rates across FL, TX, MI, NC, CA, IL, and SC, and identify the correct classification for specialty or hard-to-place risks. Below are the most common underwriting questions we see from agents.
How do I handle dual-trade contractors (e.g. roofing + carpentry)?
When a contractor performs multiple trades, each employee must be classified by the work they actually perform — not the contractor's primary trade. Payroll must be split by trade and assigned the applicable class code. Florida auditors are strict on this; misclassification is the #1 cause of large audit bills. Use the search above to compare rates across trades before binding.
What is the 8810 clerical split and when does it apply?
Code 8810 (Clerical Office Employees) can be split from a higher-rated code when employees work exclusively in an office with no exposure to field operations. The split requires strict payroll separation and is disallowed if the employee ever visits job sites. Carriers differ on how aggressively they allow 8810 splits — this is worth verifying at binding.
Florida WC exemptions — how do they affect the policy?
Florida construction contractors can exempt up to 3 corporate officers from WC coverage. Exempt officers are excluded from payroll calculations, which reduces premium. However, if an exempt officer performs field work and is injured, there is no coverage — a significant liability. Use our WC Exemption Lookup to verify active exemptions before binding.
Hard-to-place WC risks — when to refer to Bright Coast
Roofing (5551), structural steel (5040), demolition (1741), and trucking (7219) are frequently declined by standard markets or placed in the Florida JUA at significant surcharge. Bright Coast has access to specialty WC markets and can often find admitted alternatives. Our agent referral program pays a referral fee on placed business.
Are you a licensed agent or broker?
Bright Coast works with agents on hard-to-place WC risks, Florida JUA alternatives, and specialty contractor classes across FL, TX, MI, NC, and CA.
Found Your Class Code? Get a Quote.
Once you know your class code, we can get you a competitive workers' comp quote in minutes. We work with multiple carriers to find you the best rate.