NCCI Workers’ Comp Class Codes for Florida Contractors: A Complete Reference

Workers\u2019 compensation class codes are the foundation of how your premium is calculated. Assigned by the National Council on Compensation Insurance (NCCI), each code carries a specific rate per $100 of payroll that reflects the relative risk of injury for that type of work. For Florida contractors, understanding these codes \u2014 and making sure your payroll is assigned to the correct ones \u2014 can mean the difference between a manageable premium and a crushing one.

How Class Codes Affect Your Premium

Your workers\u2019 comp premium is calculated as: (Payroll \u00f7 100) \u00d7 Class Code Rate \u00d7 Experience Modifier. The class code rate is the variable that most contractors have the most control over through proper payroll segregation. A clerical employee classified under code 8810 might cost $0.20 per $100 of payroll. The same employee misclassified as a roofer under code 5551 might cost $20.00 per $100. On a $50,000 salary, that is a $9,900 annual difference \u2014 for one employee.

Common Florida Contractor Class Codes

5551 \u2014 Roofing: One of the highest-rate codes in Florida. Applies to all employees engaged in roofing work including installation, repair, and maintenance. Proper segregation of clerical and non-roofing payroll is critical.

5645 \u2014 Carpentry \u2013 Detached One or Two Family Dwellings: Applies to residential carpentry including framing, finish work, and trim. Lower rate than roofing but still significant.

5403 \u2014 Carpentry \u2013 NOC (Not Otherwise Classified): Applies to commercial carpentry and carpentry work not covered by other codes. Often used for commercial GCs.

5183 \u2014 Plumbing: Applies to plumbing installation and repair. Moderate rate.

5190 \u2014 Electrical Wiring: Applies to electrical contractors. Moderate rate.

5474 \u2014 Painting: Applies to interior and exterior painting contractors. Moderate rate.

0042 \u2014 Landscaping: Applies to lawn care, landscaping, and tree trimming. Moderate rate. Seasonal workers must be included.

8810 \u2014 Clerical Office Employees: The lowest-rate code. Applies to employees who work exclusively in an office environment and do not visit job sites. Every contractor should maximize the payroll assigned to this code.

8742 \u2014 Salespersons \u2013 Outside: Applies to outside sales representatives who do not perform any physical labor. Lower rate than field codes.

Payroll Segregation: The Key to Savings

Florida contractors can assign an employee\u2019s payroll to multiple class codes if the employee genuinely performs different types of work. A project manager who spends 60% of their time in the office and 40% on job sites can have their payroll split accordingly \u2014 with the office portion classified as 8810. This requires time records that document the split, but the premium savings are substantial.

Audit Monkey reviews NCCI class code assignments for Florida contractors and has identified significant savings opportunities in the majority of audits we have reviewed. Contact us for a free classification review.