# 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 5445 — Wallboard Installation Within Buildings & Drivers (FL)

**Class Code:** 5445  
**Description:** Wallboard Installation Within Buildings & Drivers  
**State:** FL  
**Rate:** $4.53 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 5445?

Class code 5445 covers wallboard (drywall) installation within buildings. Drywall installation is one of the most common construction trades in Florida. Work involves hanging drywall panels on walls and ceilings, taping and finishing joints, and preparing surfaces for painting. Hazards include falls from scaffolding and lifts for ceiling work, back injuries from handling heavy drywall panels, and repetitive motion injuries from taping and finishing.

## Who Does Class Code 5445 Apply To?

Drywall hangers, tapers, drywall finishers, and helpers.

## Florida Examples — Class Code 5445

A drywall installation company in Fort Lauderdale hanging and finishing drywall in large residential developments. A commercial contractor in Orlando installing fire-rated drywall systems in new office towers.

## How to Calculate Workers' Comp Premium for Class Code 5445

**Formula:** (Annual Payroll ÷ 100) × $4.53 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $3621 | $4526 | $5431 |
| $250,000 | $9052 | $11315 | $13578 |
| $500,000 | $18104 | $22630 | $27156 |
| $1,000,000 | $36208 | $45260 | $54312 |

## Tips for Managing Class Code 5445 Workers' Comp Costs

- Fall protection is required for ceiling drywall installation from scaffolding or lifts
- Back injury prevention programs reduce heavy drywall panel handling injuries
- Ergonomic programs reduce repetitive motion injuries in taping and finishing
- Separate ceiling installation under code 5020 if performed by separate crews

## Safety Recommendations for Class Code 5445

- Train employees on proper lifting techniques for drywall sheets and encourage team lifts.
- Provide respirators and implement dust control measures to mitigate exposure to drywall dust.
- Ensure stilts and scaffolding are used safely and are regularly inspected.
- Provide cut-resistant gloves and utility knife safety training.

## Get a Quote for Class Code 5445

Contact Bright Coast Insurance for a workers' comp quote for class code 5445 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.*