Workers' Comp Cost for Framing Contractors in Tampa, FL
Florida 2026 rate: $3.50–$6.50 per $100 payroll per $100 payroll (Class Code 5403). $5,500–$16,000 for a small framing crew.
Framing Contractors Workers' Comp in Tampa
Tampa's dynamic growth, particularly in areas like Water Street and Ybor City, fuels a robust demand for skilled framing contractors. Understanding the nuances of workers' compensation is crucial for businesses in this sector, with the 2026 FWCJUA rate for framing contractors (class code 5403) typically falling between $3.50 and $6.50 per $100 of payroll. Bright Coast Insurance specializes in providing comprehensive and cost-effective workers' comp solutions tailored to the unique needs of Tampa's framing industry.
Rate Range
$3.50–$6.50
per $100
Class Code
5403
NCCI 2026
Same-Day
COI
available
What Affects Your Premium
- Annual payroll for all framers and laborers
- Type of framing (residential vs. commercial, wood vs. metal stud)
- Experience modification rate (EMR)
- Fall protection program quality
- Claims history
Get a Tampa Quote Today
Bilingual agents available. Same-day quotes and COI issuance for Tampa-area framing contractors.
Framing Contractors Insurance Market in Tampa
Local Market
The Tampa framing market is currently experiencing significant activity, driven by large-scale urban redevelopment projects such as Water Street Tampa and the ongoing Gasworx development in Ybor City. These projects, along with continued residential expansion, create consistent demand for structural framing expertise. Local economic drivers, including a growing population and a strong tourism sector, contribute to a steady pipeline of commercial and residential construction, ensuring a competitive yet active environment for framing contractors.
County Requirements
In Hillsborough County, all contractors, including framing contractors, are required to be licensed and hold a Certificate of Competency. Furthermore, construction companies with even one employee must carry workers' compensation insurance, as mandated by Florida law. Hillsborough County's Development Services Department oversees permitting, ensuring all framing work adheres to local building codes and safety standards.
Top Risk Factors
Framing contractors in Tampa face specific injury risks inherent to the trade, exacerbated by Florida's climate. These include falls from heights, injuries from power tools, and musculoskeletal strains from heavy lifting. The intense heat and humidity common in Tampa can also lead to heat exhaustion or stroke, while the potential for hurricane exposure necessitates robust safety protocols for securing structures and managing post-storm repairs.
FAQs — Framing Contractors Workers' Comp in Tampa
What are the typical workers' comp rates for framing contractors in Tampa?
For framing contractors in Tampa, the 2026 FWCJUA rate (class code 5403) generally ranges from $3.50 to $6.50 per $100 of payroll. Actual rates can vary based on factors like your company's claims history, safety programs, and payroll size.
Are there specific Hillsborough County requirements for framing contractors regarding workers' comp?
Yes, Hillsborough County, in line with Florida state law, requires all construction businesses, including framing contractors, with one or more employees to carry workers' compensation insurance. Proof of coverage is often required for permitting and licensing renewals.
How does Tampa's construction boom, like Water Street, impact workers' comp for framing?
Tampa's construction boom, particularly large projects like Water Street Tampa, can lead to increased demand for framing services, potentially affecting insurance availability and pricing. It also emphasizes the need for stringent safety measures to mitigate risks associated with large, complex job sites.
Framing Contractors Workers' Comp Cost in Other Florida Cities
Get a Framing Contractors Workers' Comp Quote in Tampa
Same-day quotes and COI issuance. Bilingual agents available.