# 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 5221 — Concrete or Cement Work - Sidewalks (FL)

**Class Code:** 5221  
**Description:** Concrete or Cement Work - Sidewalks  
**State:** FL  
**Rate:** $3.87 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 5221?

Class code 5221 covers concrete or cement work for sidewalks, curbs, and gutters. Work involves forming, pouring, finishing, and curing concrete for pedestrian and drainage infrastructure. In Florida, this classification is common in municipal and commercial site development projects. Hazards include concrete chemical burns, musculoskeletal strain, and working near traffic.

## Who Does Class Code 5221 Apply To?

Sidewalk and curb concrete workers, form setters, and finishers.

## Florida Examples — Class Code 5221

A small concrete crew in Sarasota specializing in sidewalk and curb installation for new housing developments. A municipal contractor in Miami performing repairs and replacements of public sidewalks and gutters.

## How to Calculate Workers' Comp Premium for Class Code 5221

**Formula:** (Annual Payroll ÷ 100) × $3.87 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $3096 | $3870 | $4644 |
| $250,000 | $7740 | $9675 | $11610 |
| $500,000 | $15480 | $19350 | $23220 |
| $1,000,000 | $30960 | $38700 | $46440 |

## Tips for Managing Class Code 5221 Workers' Comp Costs

- Traffic control plans are required for sidewalk work near roadways
- Concrete chemical burn prevention requires proper PPE
- Separate interior floor work under code 5200 if operations are distinct

## Safety Recommendations for Class Code 5221

- Provide ergonomic tools and training to minimize repetitive strain injuries.
- Ensure workers use full PPE, including chemical-resistant gear and high-visibility clothing.
- Implement robust traffic control plans and clear demarcation of work zones.
- Conduct regular safety briefings on site-specific hazards and emergency procedures.

## Get a Quote for Class Code 5221

Contact Bright Coast Insurance for a workers' comp quote for class code 5221 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.*