# 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 5200 — Concrete Work - Floors, Driveways, Yards (TX)

**Class Code:** 5200  
**Description:** Concrete Work - Floors, Driveways, Yards  
**State:** TX  
**Rate:** $0.89 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 5200?

Class code 5200 covers concrete work for floors, driveways, yards, and similar flat work. This includes mixing, pouring, screeding, finishing, and curing concrete for residential and commercial applications. In Florida, this is a high-volume classification due to the state's construction boom. Hazards include chemical burns from wet concrete (which is highly alkaline), musculoskeletal strain from screeding and finishing, and heat illness in Florida's climate.

## Who Does Class Code 5200 Apply To?

Concrete finishers, flatwork laborers, screed operators, and concrete pump operators.

## Florida Examples — Class Code 5200

A residential concrete contractor in Tampa pouring slabs for new home foundations and driveways. A commercial concrete company in Orlando specializing in large-scale flatwork for warehouses and parking lots.

## How to Calculate Workers' Comp Premium for Class Code 5200

**Formula:** (Annual Payroll ÷ 100) × $0.89 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $711 | $889 | $1067 |
| $250,000 | $1778 | $2223 | $2667 |
| $500,000 | $3556 | $4445 | $5334 |
| $1,000,000 | $7112 | $8890 | $10668 |

## Tips for Managing Class Code 5200 Workers' Comp Costs

- Waterproof gloves and knee pads are essential to prevent concrete burns and knee injuries
- Heat illness prevention is critical for Florida flatwork operations
- Separate formwork and structural concrete under code 5213 if applicable
- Pay-as-you-go workers comp is ideal for project-based concrete contractors

## Safety Recommendations for Class Code 5200

- Provide ergonomic training and mechanical aids for lifting and spreading concrete.
- Ensure workers wear appropriate PPE, including chemical-resistant gloves, boots, and eye protection.
- Maintain clean and clear work areas, addressing slip and trip hazards promptly.
- Implement proper hydration and rest breaks to prevent heat-related illnesses in Florida's climate.

## Get a Quote for Class Code 5200

Contact Bright Coast Insurance for a workers' comp quote for class code 5200 in TX:

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



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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.*