Concrete block is how most of Florida is built, and masonry crews face heavy lifting and scaffold work every day. Compare carriers for masonry and concrete contractors and get the right 2026 class codes applied.
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Last updated · Sources: Florida Office of Insurance Regulation, NCCI, and the Florida Division of Workers' Compensation
Florida masonry workers' comp: quick facts for 2026
Florida builds with concrete block more than almost any other state, because block stands up to hurricanes and termites. That keeps masonry contractors busy, and class 5022 is rated at $5.22 per $100 of payroll for 2026.
Masonry and concrete work involves heavy, repetitive lifting, scaffold work, and the chemical burns and silica dust that come with cement. Back injuries are the most common claims.
Concrete contractors often do several kinds of work: block walls, tie beams, slabs and flatwork, pavers, and seawalls. These can belong in different class codes with different rates.
These are the NCCI class codes most often used for masonry & concrete in Florida. Rates shown are 2026 Florida manual rates per $100 of payroll and apply statewide. "Quoted" means the rate for that code is provided with your quote. The right code depends on the work each employee actually does.
| NCCI Code | Classification | Rate per $100 | Premium on $100K payroll* |
|---|---|---|---|
| 5022 | Masonry | $5.22 | $5,380 |
| 5221 | Concrete Work — Floors, Driveways, Yards, Sidewalks | Quoted | Varies |
| 5213 | Concrete Construction (NOC) | Quoted | Varies |
| 8810 | Clerical / Office Employees | $0.17 | $330 |
* Includes the $160 expense constant, at a 1.0 experience mod, before Drug-Free Workplace (5%) or other credits. See the full Florida rate table.
Yes, with one employee. Florida treats this work as construction under its workers' compensation law (Chapter 440), so coverage is required as soon as the business has one employee, and corporate officers and LLC members count unless they have filed an exemption. Up to three officers or members who each own at least 10% can file a $50 construction exemption, but it covers only the owners.
For 2026, included officers are rated on a minimum payroll of $33,800 each for construction businesses and $67,600 each for non-construction businesses. Operating without required coverage can lead to a Stop-Work Order and penalties based on the premium you should have paid.
Masonry and concrete contractors save by keeping payroll records by type of work, so flatwork isn't rated as block or structural concrete, collecting certificates from every crew, earning the 5% Drug-Free Workplace credit, and using lifting and scaffold safety programs to protect the experience mod. Because every Florida carrier starts from the same manual rates, a specialist who knows your industry can make a real difference in how your policy is classified, credited and audited.
Florida uses the same NCCI base rates for every carrier. Premium is (annual payroll ÷ $100) × class code rate × experience mod, plus a $160 expense constant. For example, a masonry contractor with $300,000 in payroll (class 5022, $5.22 per $100) pays about $15,820 a year at a 1.0 experience mod, before credits such as the 5% Drug-Free Workplace credit. 2026 Florida rates decreased 6.9% on average.
Yes, with one employee. Florida treats this work as construction under its workers' compensation law (Chapter 440), so coverage is required as soon as the business has one employee, and corporate officers and LLC members count unless they have filed an exemption. Up to three officers or members who each own at least 10% can file a $50 construction exemption, but it covers only the owners.
Masonry is class 5022, with a 2026 Florida rate of $5.22 per $100 of payroll. A masonry contractor with $300,000 in payroll would pay about $15,820 a year at a 1.0 experience mod, including the $160 expense constant.
Often, yes. Workers building or repairing seawalls, docks and piers on navigable water may be covered by the federal Longshore and Harbor Workers' Compensation Act (USL&H), which a standard state policy doesn't cover unless it has a USL&H endorsement.
The Florida Division of Workers' Compensation can issue a Stop-Work Order that shuts down the business until coverage is obtained and a penalty is paid. The penalty is generally twice the premium the employer would have paid over the prior two years, with a $1,000 minimum, and working in violation of a Stop-Work Order adds further daily penalties. Uninsured employers can also be sued directly by injured workers.
Get a free, no-obligation workers' compensation quote for your Florida masonry business today.
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