# 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 5188 — Fire Extinguishing Systems - Installation (FL)

**Class Code:** 5188  
**Description:** Fire Extinguishing Systems - Installation  
**State:** FL  
**Rate:** $3.28 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 5188?

Class code 5188 covers the installation of fire extinguishing systems, including wet pipe, dry pipe, and pre-action sprinkler systems, as well as special hazard suppression systems. Fire sprinkler contractors work in commercial, industrial, and residential buildings, installing overhead piping and sprinkler heads. Hazards include falls from ladders and lifts, heavy pipe handling, and working in occupied buildings.

## Who Does Class Code 5188 Apply To?

Fire sprinkler fitters, sprinkler system installers, and helpers.

## Florida Examples — Class Code 5188

A fire protection company in Jacksonville installing wet pipe sprinkler systems in new commercial buildings. A specialized contractor in Miami upgrading fire suppression systems in existing industrial facilities.

## How to Calculate Workers' Comp Premium for Class Code 5188

**Formula:** (Annual Payroll ÷ 100) × $3.28 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $2624 | $3280 | $3936 |
| $250,000 | $6560 | $8200 | $9840 |
| $500,000 | $13120 | $16400 | $19680 |
| $1,000,000 | $26240 | $32800 | $39360 |

## Tips for Managing Class Code 5188 Workers' Comp Costs

- Fall protection is required for overhead sprinkler installation work
- NFPA 13 compliance is mandatory for sprinkler system installation
- Separate any fire alarm installation work under an appropriate electrical code

## Safety Recommendations for Class Code 5188

- Ensure proper use of fall protection when working at heights, including stable ladders and scaffolding.
- Provide cut-resistant gloves and eye protection for all pipe cutting and threading tasks.
- Train employees on safe lifting practices and encourage team lifts for heavy components.
- Implement hot work permits and provide fire extinguishers for welding and soldering operations.

## Get a Quote for Class Code 5188

Contact Bright Coast Insurance for a workers' comp quote for class code 5188 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.*