Florida NCCI Class Code Guide

Workers Comp Class Codes Florida

NCCI Class Code Lookup — 2026 Florida Base Rates, Plain-English Descriptions, and Premium Calculator

Every Florida workers comp premium starts with a 4-digit NCCI class code. This guide explains what class codes are, how they determine your rate, and which codes apply to your trade — with links to detailed pages for every code.

What Is a Workers Comp Class Code?

NCCI Workers Comp Class Codes Explained — How Florida Rates Are Calculated Per $100 of Payroll

NCCI Assigns the Code

The National Council on Compensation Insurance (NCCI) publishes the Scopes Manual — the official guide that defines every class code and which employees belong in each one. Florida uses NCCI codes.

Code Determines Your Rate

Each class code has a base rate per $100 of payroll. A roofer (5551) at $25/100 payroll costs 50× more than a clerical worker (8810) at $0.50/100. Your total premium = payroll ÷ 100 × rate.

Wrong Code = Audit Risk

Misclassifying employees in a lower-rate code is the #1 cause of workers comp audit surprises. At year-end, the carrier audits your payroll and bills the difference — often thousands of dollars.

How to Calculate Your Workers Comp Premium

Florida NCCI Premium Formula — Payroll × Class Code Rate ÷ 100 = Annual Premium

Formula: (Annual Payroll ÷ 100) × Class Code Rate = Annual Premium

Example: Roofing contractor (code 5551)
$500,000 annual payroll ÷ 100 = 5,000
5,000 × $22.00 rate = $110,000/year
With PEO pay-as-you-go: ~$9,167/month, no deposit, no audit

Top Florida Workers Comp Class Codes — 2026 Base Rates

Florida NCCI Class Codes by Trade — 2026 Base Rates Per $100 of Payroll

Rates shown are 2026 FWCJUA base rates per $100 of payroll before experience modification. Click any code for full details, premium calculator, and coverage options.

Class CodeTrade / Occupation2026 Rate / $100Notes
5551Roofing Contractors$18–$32Highest-hazard residential/commercial roofing
5645Carpentry / Framing$8–$14Residential framing, rough carpentry
5403Carpentry (Interior)$5–$9Interior finish carpentry, cabinets
5022Masonry / Concrete$7–$13Block, brick, concrete work
5213Concrete / Demolition$9–$17Concrete construction, demolition
5040Iron / Steel Erection$12–$22Structural steel, ironwork
8810Clerical / Office$0.20–$0.50Lowest rate — office staff only
8742Outside Sales$0.50–$1.00Sales reps, estimators
7380Towing / Repossession$10–$18Tow truck operators, roadside
7219Trucking / Hauling$6–$12Local/long-haul truck drivers
0042Landscaping / Lawn Care$5–$9Grounds maintenance, mowing
8835Home Health Aides$3–$6In-home care, personal care aides

Hard-to-Place Class Codes — Why Most Carriers Decline

Florida Hard-to-Place NCCI Class Codes — Roofing 5551, Towing 7380, Trucking 7219, Agriculture 0042

Certain NCCI class codes have high loss ratios — meaning workers in those trades file claims at a higher rate than average. Standard insurance carriers often decline to write these codes or charge premiums so high that coverage becomes unaffordable. The most common hard-to-place codes in Florida are:

5551 — Roofing
Fall risk, heat exposure, high claim frequency
5040 — Iron / Steel Erection
Structural steel, elevated work, heavy equipment
5213 — Demolition
Structural hazards, debris, unpredictable conditions
7380 — Towing / Repossession
Roadside exposure, vehicle accidents, hostile repossessions
7219 — Trucking
Long-haul fatigue, highway accidents, cargo claims
0042 — Landscaping
Equipment injuries, heat illness, pesticide exposure

How PEO Workers Comp Solves the Hard-to-Place Problem

PEO Group Policy — Why Hard-to-Place Class Codes Get Covered Under a PEO Master Policy

A PEO (Professional Employer Organization) pools hundreds of employers under a single group workers comp policy. Because the risk is spread across a large, diverse workforce, the PEO can cover high-hazard class codes that individual carriers decline. Comp Ninjas specializes in exactly these trades — roofing, towing, trucking, agriculture, home health, and staffing — providing coverage through a PEO group policy with pay-as-you-go billing and no year-end audit.

Workers Comp Class Codes — Frequently Asked Questions

What is a workers comp class code?▼
A workers comp class code is a 4-digit number assigned by the National Council on Compensation Insurance (NCCI) that categorizes the type of work an employee performs. Each class code has a base rate per $100 of payroll. Your workers comp premium is calculated by multiplying your payroll by the class code rate. In Florida, class codes are set by NCCI and approved by the Florida Office of Insurance Regulation.
How are workers comp class codes assigned in Florida?▼
In Florida, workers comp class codes are assigned based on the actual work performed by each employee — not the industry your company is in. A roofing company with office staff would have two class codes: 5551 (roofers) for field workers and 8810 (clerical) for office employees. NCCI publishes the Scopes Manual which defines every class code and which employees belong in each code.
What happens if I use the wrong workers comp class code?▼
Using the wrong class code is one of the most common workers comp audit triggers. If your employees are misclassified in a lower-rate code than their actual work requires, you will owe back premium at audit — often thousands of dollars. Intentional misclassification is insurance fraud under Florida Statute 440.105. With a PEO workers comp arrangement through Comp Ninjas, class codes are verified at enrollment and premiums are calculated each payroll cycle, eliminating audit surprises.
What is the highest workers comp class code rate in Florida?▼
The highest workers comp rates in Florida are for roofing contractors (class code 5551) at approximately $18–$32 per $100 of payroll, followed by iron/steel erection (5040) at $12–$22 and demolition (5213) at $9–$17. These high rates are why roofers, steel workers, and demolition contractors are considered "hard to place" — most standard carriers decline to write these class codes or charge unaffordable premiums.
Can I look up Florida workers comp class codes online?▼
Yes. Comp Ninjas has a free Florida workers comp class code library with 135+ NCCI codes, each with a plain-English description, 2026 base rate, example job types, and a premium calculator. You can search by trade or browse by industry. Visit our Florida Class Codes page to look up your specific code.
What is the difference between NCCI class codes and state-specific codes?▼
Florida uses NCCI (National Council on Compensation Insurance) class codes, which are the standard system used in most states. New York uses NYCIRB codes and California uses WCIRB codes — both are similar to NCCI but have state-specific rates and rules. Comp Ninjas covers all three systems: NCCI for Florida, NYCIRB for New York, and WCIRB for California.
Do PEO workers comp policies use the same class codes?▼
Yes. PEO workers comp policies use the same NCCI class codes as traditional policies. The difference is that under a PEO arrangement, your employees are co-employed by the PEO and covered under the PEO's group policy. This allows the PEO to cover high-hazard class codes (like roofing 5551 or towing 7380) that individual carriers often decline, and to offer pay-as-you-go billing without a year-end audit.
What class codes does Comp Ninjas cover?▼
Comp Ninjas covers all major Florida NCCI class codes including hard-to-place trades: 5551 (roofing), 5645 (framing), 5040 (iron/steel), 5213 (demolition), 7380 (towing), 7219 (trucking), 0042 (landscaping), 8835 (home health), and staffing agency codes. We also cover NY (NYCIRB) and CA (WCIRB) class codes. Browse our full class code library for rates and coverage details.

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