Florida workers' comp · Published by Bright Coast Insurance
Workers' Comp for Florida Roofers
Here's who needs coverage on a Florida roofing crew, what the listed rate for code 5551 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 | |
|---|---|---|---|
| 5551 | Roofing - All Kinds | $6.752 |
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 roofers 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 roofing class-code rate works
Bright Coast's lookup lists Florida class code 5551 at 6.752 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 5551 carries the description ROOFING - ALL KINDS in Bright Coast's lookup.
The rate is stated per $100 of payroll, so it applies to the payroll that falls under that code. 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 on its site.
Source: Bright Coast Florida WC class code lookup · FWCJUA published rate list · effective January 1, 2026 — Checked: 2026-10-31
Subcontractors and certificates for roofers
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 you can use to check a sub's coverage.
If Bright Coast writes your policy, Bright Coast says you can access your own certificates 24/7 through its self-service client portal.
Questions about a sub or a certificate? 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 roofing 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.
What if my roofing 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
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Or call (239) 475-0361