Workers' Comp Cost for Masonry Contractors in Tampa, FL
Florida 2026 rate: $4.50–$7.00 per $100 payroll per $100 payroll (Class Code 5022). $6,500–$18,000 for a small masonry crew.
Masonry Contractors Workers' Comp in Tampa
Masonry contractors in Tampa are vital to the city's ongoing development, including the transformative Water Street project and Ybor City revitalization. The 2026 FWCJUA rate for masonry (class code 5022) ranges from $4.50 to $7.00 per $100 of payroll in Florida. Hillsborough County's construction boom means masonry crews are in high demand, and proper workers' comp coverage is essential. Bright Coast Insurance helps Tampa masonry contractors find competitive rates quickly.
Rate Range
$4.50–$7.00
per $100
Class Code
5022
NCCI 2026
Same-Day
COI
available
What Affects Your Premium
- Annual payroll for all masons and laborers
- Type of masonry work (block, brick, stone, stucco)
- Scaffolding usage and height of work
- Experience modification rate (EMR)
- Claims history
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Bilingual agents available. Same-day quotes and COI issuance for Tampa-area masonry contractors.
Masonry Contractors Insurance Market in Tampa
Local Market
Tampa's masonry market is driven by large mixed-use and waterfront developments, with major GCs like Skanska and DPR Construction regularly subcontracting masonry work. The Port Tampa Bay industrial corridor also generates steady demand for concrete block and brick work. Seasonal hurricane prep and post-storm repair cycles keep masonry crews busy year-round in Hillsborough County.
County Requirements
Hillsborough County requires masonry subcontractors to carry a minimum of $1 million in general liability and maintain active workers' comp coverage before pulling permits. The county's Building Services division conducts random audits of subcontractor insurance certificates on active job sites.
Top Risk Factors
Masonry work in Tampa's heat and humidity creates significant heat stress risk, particularly during summer months when temperatures regularly exceed 95 degrees F. Lifting heavy block and stone materials leads to high rates of back and shoulder injuries, and working at elevation on Tampa's growing high-rise projects adds fall risk.
FAQs — Masonry Contractors Workers' Comp in Tampa
What is the workers' comp rate for masonry contractors in Tampa?
The 2026 FWCJUA rate for masonry (class code 5022) in Florida is $4.50-$7.00 per $100 of payroll. A Tampa masonry crew with $500,000 in annual payroll would pay roughly $22,500-$35,000 per year before experience mod adjustments.
Does Hillsborough County require workers' comp for masonry subs?
Yes. Hillsborough County requires all masonry subcontractors to carry active workers' comp coverage before pulling permits or working on permitted job sites. Coverage must be verified through a current certificate of insurance naming the GC as certificate holder.
How does Tampa's construction boom affect masonry insurance rates?
High demand for masonry workers in Tampa can push payroll costs up, which directly increases your workers' comp premium since it is calculated as a percentage of payroll. Maintaining a clean claims history and a low experience mod (EMR) is the best way to offset rising payroll costs.
Masonry Contractors Workers' Comp Cost in Other Florida Cities
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Same-day quotes and COI issuance. Bilingual agents available.