# Bright Coast Insurance

**Florida-Licensed Independent Insurance Agency** | Florida License #L103957  
Phone: (239) 475-0361 | 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 5215 — Concrete Construction - Floors, Driveways (FL)

**Class Code:** 5215  
**Description:** Concrete Construction - Floors, Driveways  
**State:** FL  
**Rate:** $5.12 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 5215?

Class code 5215 covers concrete construction for floors, driveways, and flatwork. This includes residential and commercial concrete slabs, driveways, sidewalks, and similar flatwork. This is a slightly lower-risk concrete code than 5213 because it primarily involves ground-level work, eliminating the fall hazard of elevated concrete construction.

## Who Does Class Code 5215 Apply To?

Concrete finishers, flatwork contractors, and concrete laborers.

## Florida Examples — Class Code 5215

A residential concrete company in Miami pouring driveways and patios for new homes. A small contractor in Fort Myers specializing in concrete flatwork for commercial sidewalks and parking lots.

## How to Calculate Workers' Comp Premium for Class Code 5215

**Formula:** (Annual Payroll ÷ 100) × $5.12 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $4093 | $5116 | $6139 |
| $250,000 | $10232 | $12790 | $15348 |
| $500,000 | $20464 | $25580 | $30696 |
| $1,000,000 | $40928 | $51160 | $61392 |

## Tips for Managing Class Code 5215 Workers' Comp Costs

- Concrete burns from wet cement require skin and eye protection
- Knee protection programs reduce knee injury claims from kneeling on concrete
- Back injury prevention programs reduce heavy lifting claims

## Safety Recommendations for Class Code 5215

- Train employees on ergonomic practices for shoveling and finishing concrete.
- Ensure workers wear waterproof gloves, boots, and eye protection when working with wet concrete.
- Implement measures to prevent slips and falls on wet concrete, such as proper footwear and barricades.
- Provide knee pads for workers who spend extended periods kneeling.

## Get a Quote for Class Code 5215

Contact Bright Coast Insurance for a workers' comp quote for class code 5215 in FL:

- **Phone:** (239) 475-0361
- **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 #L103957) 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) 475-0361 | support@brightcoastins.com  
**Address:** PO Box 417, Pineland, FL 33945  
**Website:** https://brightcoastins.com  
**Hours:** Monday–Friday, 8 AM–5 PM ET

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