Florida workers' comp · Published by Bright Coast Insurance
Workers' Comp for Florida Masons
Here's who needs coverage on a Florida masonry crew, what the listed rate for code 5022 means, 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 | |
|---|---|---|---|
| 5022 | Masonry Noc | $5.220 |
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 masons 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 masonry class-code rate works
Bright Coast's lookup lists Florida class code 5022 at 5.220 per $100 of payroll, verified against the live FWCJUA table on October 25, 2026. Treat that number as a reference rate, not a quote. Your actual premium also depends on your payroll, your experience mod and the carrier that writes the policy.
Code 5022 carries the description MASONRY NOC in Bright Coast's lookup.
The rate is stated per $100 of payroll. We don't show sample premiums, because yours depends on your own payroll, experience mod and carrier.
FWCJUA, Florida's residual market for workers' comp, publishes rates and a pricing tool.
Source: Bright Coast Florida WC class code lookup · FWCJUA published rate list · effective January 1, 2026 — Checked: 2026-10-31
Subcontractors and certificates for masons
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.
FWCJUA's site has a Verify COI tool and a proof of coverage database link.
If Bright Coast writes your policy, Bright Coast says you can access your certificates 24/7 through its self-service client portal.
For 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
Can my masonry business get back to work after a stop-work order?
Yes, through a conditional release. Under s. 440.107, you comply with the coverage requirement, pay $1,000 down on the penalty and agree to a payment schedule. The full penalty can be 2 times the premium you would have owed for the uncovered period, or $1,000, whichever is greater.
What if my masonry sub doesn't have workers' comp?
Then its workers become your employees under Florida rules, and you pay benefits if one of them is injured on the job. DFS says contractors must confirm subs have coverage before they begin work. FWCJUA's site has a Verify COI tool and a proof of coverage database link you can use to check.
From our publisher
Get a Florida workers' comp quote from Bright Coast
Tell us about your crew. A licensed agent reviews it and calls you back.
Or call (239) 475-0361