# 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 5223 — Swimming Pool Construction (FL)

**Class Code:** 5223  
**Description:** Swimming Pool Construction  
**State:** FL  
**Rate:** $2.60 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 5223?

Class code 5223 covers swimming pool construction, including the excavation, gunite or shotcrete application, plumbing, and finishing of residential and commercial swimming pools. In Florida, pool construction is a major industry due to the state's climate. Work involves operating excavation equipment, applying shotcrete, installing plumbing and electrical systems, and finishing pool surfaces. Hazards include excavation cave-in risks, falls into excavations, and chemical exposure from pool finishes.

## Who Does Class Code 5223 Apply To?

Pool builders, excavation operators, shotcrete applicators, pool plumbers, and tile setters.

## Florida Examples — Class Code 5223

A residential pool builder in Orlando excavating and constructing new inground swimming pools for homeowners. A commercial pool contractor in Naples building large amenity pools for resorts and community centers.

## How to Calculate Workers' Comp Premium for Class Code 5223

**Formula:** (Annual Payroll ÷ 100) × $2.60 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $2078 | $2597 | $3116 |
| $250,000 | $5194 | $6493 | $7791 |
| $500,000 | $10388 | $12985 | $15582 |
| $1,000,000 | $20776 | $25970 | $31164 |

## Tips for Managing Class Code 5223 Workers' Comp Costs

- Excavation safety (OSHA 29 CFR 1926 Subpart P) is critical for pool excavations
- Silica dust from shotcrete application requires respiratory protection
- Separate any pool service and maintenance work under an appropriate service code

## Safety Recommendations for Class Code 5223

- Implement strict trenching and excavation safety protocols, including shoring and sloping.
- Ensure fall protection is in place around open excavations and incomplete pool structures.
- Provide cut-resistant gloves for handling rebar and other sharp materials.
- Train workers on safe handling and storage of pool chemicals and electrical safety.

## Get a Quote for Class Code 5223

Contact Bright Coast Insurance for a workers' comp quote for class code 5223 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.*