# 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 5022 — Masonry NOC (MI)

**Class Code:** 5022  
**Description:** Masonry NOC  
**State:** MI  
**Rate:** $4.80 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 5022?

Class code 5022 covers masonry work not otherwise classified, including bricklaying, block laying, stone masonry, and related work. Masonry is one of the most physically demanding construction trades, involving heavy lifting of masonry units, working from scaffolding, and mixing and applying mortar. In Florida, masonry is widely used in commercial and residential construction due to its hurricane resistance. Hazards include falls from scaffolding, back injuries from heavy lifting, silica dust from cutting masonry units, and chemical burns from mortar.

## Who Does Class Code 5022 Apply To?

Bricklayers, block layers, stone masons, and masonry helpers.

## Florida Examples — Class Code 5022

A small 5-person masonry contractor in Orlando specializing in decorative brickwork for custom homes. A larger 20-person company in Jacksonville that handles concrete block construction for commercial buildings and retaining walls. A specialized stone masonry business in South Florida focusing on high-end residential and commercial facade installations.

## How to Calculate Workers' Comp Premium for Class Code 5022

**Formula:** (Annual Payroll ÷ 100) × $4.80 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $3840 | $4800 | $5760 |
| $250,000 | $9600 | $12000 | $14400 |
| $500,000 | $19200 | $24000 | $28800 |
| $1,000,000 | $38400 | $48000 | $57600 |

## Tips for Managing Class Code 5022 Workers' Comp Costs

- Scaffold safety is the top priority — ensure all scaffolding is erected by competent persons
- Silica dust from cutting masonry units requires wet cutting methods and respiratory protection
- Back injury prevention programs reduce the most common claim type in masonry
- Separate tile work under codes 1747 or 5348

## Safety Recommendations for Class Code 5022

- Implement a comprehensive lifting safety program, including proper lifting techniques and the use of mechanical aids for heavy materials.
- Ensure all scaffolding and ladders are regularly inspected, properly erected, and used according to OSHA standards.
- Provide and enforce the consistent use of appropriate personal protective equipment (PPE), including gloves, safety glasses, and hard hats.
- Conduct regular stretching and warm-up exercises to reduce the risk of strains and sprains associated with repetitive motions.

## Get a Quote for Class Code 5022

Contact Bright Coast Insurance for a workers' comp quote for class code 5022 in MI:

- **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/mi](https://brightcoastins.com/workers-comp-codes/mi)



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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.*