Free Resource
Workers Comp Class CodeLookup Tool
Search over 726 NCCI workers' compensation class codes across FL, NC, TX, MI, IL, and SC. Find your trade classification, see the current rate per $100 of payroll, and get a same-day quote.
726+
Class Codes
6
States Covered
Free
No Login Required
Most Searched
Top Florida Workers Comp Class Codes
The 12 class codes most commonly used by Florida contractors — with current NCCI rates per $100 of payroll. Click any code for the full description, rate history, and a premium estimate.
Roofing
Roofing — All Kinds & Drivers
General Contractor
Contracting — Executive Supervisor / GC
Electricians
Electrical Wiring Within Building & Drivers
Plumbers
Plumbing NOC and Drivers
Framers / Carpenters
Carpentry — Detached One & Two Family Dwellings
Concrete Contractors
Concrete Construction NOC
Masonry Contractors
Masonry NOC
Steel Erectors
Iron/Steel Erection — Dwellings Under 2 Stories
Structural Steel
Iron/Steel Structure Under 2 Stories
Office / Admin
Clerical Office Employees NOC
Outside Sales
Salespersons, Messengers — Outside
Iron / Steel Frame
Iron or Steel Erection — Frame Structures
Rates shown are Florida NCCI advisory loss costs effective 2024–2025. Actual premiums vary by carrier, experience modification factor, and payroll. Browse all Florida class codes →
How It Works
How NCCI Class Codes Determine Your Premium
Workers' comp class codes are the foundation of how your premium is calculated. Understanding how they work — and how misclassification can cost you — is essential for every Florida contractor.
NCCI Assigns the Code
The National Council on Compensation Insurance (NCCI) assigns a 4-digit code to every type of work based on injury risk. Florida, NC, TX, MI, IL, and SC all use NCCI codes.
Rate × Payroll = Base Premium
Each code has a rate per $100 of payroll. Multiply your annual payroll by that rate to get your base premium before experience modification (EMR) adjustments.
Misclassification Has Consequences
Using the wrong code — intentionally or not — can result in audit penalties, back premiums, or policy cancellation. An independent agent verifies your codes before binding.
One Code Per Employee Type
Most businesses have multiple class codes: one for field workers, one for supervisors (5606), and one for clerical staff (8810). Each payroll bucket is rated separately.
Premium Formula
(Annual Payroll ÷ 100) × Class Code Rate × EMR = Base Premium
Example: Florida roofing contractor (code 5551, rate $6.75) with $500,000 payroll and 1.0 EMR = $33,750 base premium. A 0.85 EMR (clean claims history) reduces that to $28,688.
Browse by State
Workers Comp Class Codes by State
Select a state to browse all available NCCI class codes and current rates. Florida is our primary market with the most comprehensive coverage — including contractor exemption rules and carrier options.
FL
Florida
Class Codes
383+
Avg Rate
$1.85
FWCJUA / NCCI • Effective 2025-01-01
MI
Michigan
Class Codes
70+
Avg Rate
$1.42
NCCI • Effective 2025-01-01
IL
Illinois
Class Codes
61+
Avg Rate
$1.30
NCCI • Effective 2025-01-01
TX
Texas
Class Codes
66+
Avg Rate
$1.55
TDI / NCCI • Effective 2025-07-01
SC
South Carolina
Class Codes
76+
Avg Rate
$1.62
NCCI • Effective 2025-01-01
NC
North Carolina
Class Codes
70+
Avg Rate
$1.48
NCRB • Effective 2026-04-01
Common Questions
Workers Comp Class Code FAQ
What is a workers comp class code?
A workers' compensation class code is a 4-digit number assigned by NCCI to classify employees by their job duties and associated injury risk. Each code has a specific rate per $100 of payroll. Florida contractors are most commonly classified under codes 5551 (roofing), 5190 (electrical), 5183 (plumbing), 5645 (framing), and 5606 (general contractor supervisor).
What happens if I use the wrong class code?
Misclassification is discovered during your annual audit. If employees were underclassified, you'll owe back premium for the full policy year. In Florida, intentional misclassification can also trigger stop-work orders and fines of $1,000 per day. An independent agent reviews your codes before binding to prevent this.
Do all my employees need the same class code?
No. Most businesses use multiple codes — one for field workers, one for supervisors (5606 for GC executives), and one for clerical staff (8810). Each payroll bucket is rated separately. Accurate payroll allocation across codes is required to avoid audit penalties.
How does my experience modification factor (EMR) affect my premium?
Your EMR is a multiplier applied to your base premium based on your claims history. A 1.0 EMR is average. A 0.85 EMR (clean history) reduces your premium by 15%. A 1.20 EMR (frequent claims) increases it by 20%. Maintaining a low EMR is the single most effective way to reduce your workers' comp cost over time.
What states does Bright Coast Insurance cover for workers comp?
Bright Coast Insurance provides workers' compensation in Florida, Michigan, Illinois, Texas, South Carolina, and North Carolina. Florida is our primary market, with deep expertise in Florida-specific requirements, FWCJUA eligibility, and contractor exemption rules.
What Are Class Codes?
Understanding Workers Comp Classification Codes
Workers' compensation class codes are 4-digit numbers assigned by NCCI to categorize the type of work performed by employees. Each code carries a specific rate per $100 of payroll, reflecting the relative risk of injury for that type of work.
Your workers' comp premium is calculated by multiplying your payroll by the applicable rate for each class code, then applying your experience modification factor (EMR) and any carrier adjustments.
Example: A roofing contractor in Florida (class code 5551) with $500,000 in payroll would pay approximately $33,750 in base premium (5551 rate of $6.75 × $500,000 / 100).
How Rates Are Set
Florida Workers Comp Rate Structure
Florida workers' compensation rates are filed by NCCI and approved by the Florida Office of Insurance Regulation (OIR). The FWCJUA (Florida Workers' Compensation Joint Underwriting Association) provides coverage for employers who cannot obtain coverage in the voluntary market.
Rates vary significantly by industry. Office workers (8810) may pay as little as $0.11 per $100 of payroll, while high-risk trades like iron/steel erection (5069) can exceed $15 per $100.
Your actual premium also depends on your claims history (experience modification), payroll size, and the specific carrier you work with. As an independent agency, Bright Coast shops multiple carriers to find you the best rate.
Rates shown are advisory loss costs or assigned risk rates. Your actual premium may differ based on your carrier, experience modification factor, and other underwriting factors. Contact Bright Coast Insurance for an accurate quote.
Found Your Class Code? Get a Quote.
Once you know your class code, we can get you a competitive workers' comp quote in minutes. We work with multiple carriers to find you the best rate.