Florida workers' comp · Published by Bright Coast Insurance
Workers' Comp for Florida Concrete Contractors
Concrete work can fall under more than one class code. Here's who needs coverage, what the listed rates mean, and how to handle subs.
Last checked 2026-10-31 against FL DFS, Florida Statutes and FWCJUA sources.
Your work. Your crew. A quote reviewed by a licensed agent.
The numbers behind the ring
Class code and listed rate
| Code | Description | Rate per $100 payroll | |
|---|---|---|---|
| 5221 | Concrete Or Cement Work | $3.873 | |
| 5213 | Concrete Construction Noc. | $5.184 |
Tap a row to load it into the explorer above.
Source: FWCJUA Current Rates — FWCJUA rate effective Jan 1, 2026. Retrieved: 2026-11-01. Not a quote.
Where concrete contractors sit
All 9 verified Florida codes, ranked
- 5645Carpenters & framers$7.689
- 5551Roofers$6.752
- 5022Masons$5.220
- 5213Concrete contractors$5.184
- 5437Carpenters & framers$4.570
- 5474Painters$4.481
- 5221Concrete contractors$3.873
- 5190Electricians$2.969
- 5183Plumbers$2.737
How do I get covered fast?
If Florida requires coverage for your business, the simplest path is to have a policy in place before work starts. Bright Coast can quote it and explain the rules in plain language.
Source: FL DFS Division of Workers' Compensation: Coverage requirements — Checked: 2026-10-31
How the concrete class-code rates work
Bright Coast's lookup lists these Florida class codes for concrete: 5221 at 3.873 and 5213 at 5.184 per $100 of payroll, verified against the live FWCJUA table on October 25, 2026. These are reference rates, not quotes. Your actual premium also depends on your payroll, your experience mod and the carrier.
Code 5221 is described as CONCRETE OR CEMENT WORK. Code 5213 is described as CONCRETE CONSTRUCTION NOC.
Each rate is stated per $100 of payroll, so matching your work to the right code matters. We don't show sample premiums, because yours depends on your own payroll, experience mod and carrier.
FWCJUA's site has its rates and a pricing tool if you want to check the table.
Source: Bright Coast Florida WC class code lookup · FWCJUA published rate list · effective January 1, 2026 — Checked: 2026-10-31
Subcontractors and certificates for concrete contractors
Get proof of coverage from every sub before they start. DFS says contractors must make sure subcontractors have workers' comp before work begins. If a sub has none, its workers become your employees, and you pay benefits if one of them is hurt on the job. Keep a current certificate on file for each sub.
You can check a sub with FWCJUA's Verify COI tool or its proof of coverage database link.
Bright Coast says its clients can access their own certificates 24/7 through a self-service client portal.
Need help? Call (239) 475-0361.
Source: FL DFS Division of Workers' Compensation: Coverage requirements · FWCJUA published rate list · effective January 1, 2026 — Checked: 2026-10-31
Asked every week
Quick answers
What happens if my concrete business works without coverage?
You risk a stop-work order and a penalty. Under s. 440.107, the penalty is 2 times the premium you would have paid on your payroll for the uncovered period in the preceding 12 months, or $1,000, whichever is greater. In some cases the lookback is 24 months.
How do I get a certificate of insurance for a general contractor?
Bright Coast says its clients can access certificates 24/7 through a self-service client portal. That lets you pull proof of coverage when a contractor asks for it before you start work. If you need help, call Bright Coast at (239) 475-0361 or email support@brightcoastins.com.
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