# Bright Coast Insurance

**Florida-Licensed Independent Insurance Agency** | Florida License #L132181  
Phone: (239) 323-0785 | Email: support@brightcoastins.com  
Address: PO Box 417, Pineland, FL 33945  
Website: https://brightcoastins.com  
Google Business Profile: https://www.google.com/maps/search/?api=1&query=Bright+Coast+Insurance&query_place_id=ChIJ2bHi4scRv4gRzuxlEjQ0a84

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# Workers' Comp Class Code 5020 — Ceiling Installation (FL)

**Class Code:** 5020  
**Description:** Ceiling Installation  
**State:** FL  
**Rate:** $4.10 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 5020?

Class code 5020 covers ceiling installation work, including the installation of suspended ceiling systems, drywall ceilings, and specialty ceiling products. Work involves working overhead on scaffolding or lifts, cutting and hanging ceiling grid and tile, and installing lighting and HVAC components in ceilings. Hazards include falls from elevated work surfaces, overhead work strain, and cuts from ceiling materials.

## Who Does Class Code 5020 Apply To?

Ceiling installers, drywall ceiling workers, and helpers.

## Florida Examples — Class Code 5020

This class code applies to specialized ceiling installation companies, such as a 15-person commercial contractor in Orlando focusing on suspended acoustical ceilings for new office buildings, or a smaller 5-person crew in Jacksonville specializing in custom drywall ceilings for high-end residential renovations.

## How to Calculate Workers' Comp Premium for Class Code 5020

**Formula:** (Annual Payroll ÷ 100) × $4.10 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $3280 | $4100 | $4920 |
| $250,000 | $8200 | $10250 | $12300 |
| $500,000 | $16400 | $20500 | $24600 |
| $1,000,000 | $32800 | $41000 | $49200 |

## Tips for Managing Class Code 5020 Workers' Comp Costs

- Fall protection is the top priority for ceiling installation work
- Overhead work ergonomics programs reduce neck and shoulder injury claims
- Separate drywall wall installation under code 5445

## Safety Recommendations for Class Code 5020

- Ensure all scaffolding and ladders are regularly inspected, properly erected, and used according to manufacturer guidelines and OSHA standards.
- Implement a comprehensive fall protection program including guardrails, safety nets, or personal fall arrest systems for all work at elevated heights.
- Provide ergonomic tools and implement job rotation schedules to minimize repetitive motion stress on workers' upper extremities.
- Conduct regular safety briefings focusing on proper lifting techniques and safe material handling to prevent strains and sprains.

## Get a Quote for Class Code 5020

Contact Bright Coast Insurance for a workers' comp quote for class code 5020 in FL:

- **Phone:** (239) 323-0785
- **Email:** support@brightcoastins.com
- **Online:** [Workers' Comp Calculator](https://brightcoastins.com/comp-calculator)
- **Class Code Lookup:** [https://brightcoastins.com/workers-comp-codes/fl](https://brightcoastins.com/workers-comp-codes/fl)



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## About Bright Coast Insurance

Bright Coast Insurance is a Florida-licensed independent insurance agency (Florida License #L132181) specializing in commercial insurance for Florida contractors, builders, property owners, and HOA/condo associations. As an independent agency, we represent multiple carriers including US Assure (builders risk), Employers Holdings, AmTrust Financial, and others — allowing us to find the best coverage at the most competitive rate for each client.

**Contact:** (239) 323-0785 | support@brightcoastins.com  
**Address:** PO Box 417, Pineland, FL 33945  
**Website:** https://brightcoastins.com  
**Hours:** Monday–Friday, 9 AM–5 PM ET

*Bright Coast Insurance is an authorized FWCJUA placement agency and an authorized US Assure builders risk agency.*