Workers Comp Class Code 5213 — Concrete Construction — Poured Concrete
Florida NCCI Workers Comp Classification
FL NCCI Rate
$5.18
per $100 of payroll
Same-Day COI
Available
through PEO program
For code 5213, a worker earning $800/week costs just $41.47/week in workers comp through our PEO program.
FL NCCI Rate
$5.18/$100
per $100 payroll
Risk Level
High
NCCI classification
Same-Day COI
Available
through PEO program
Approval Time
24–48 hrs
most industries
What Is Workers Comp Class Code 5213?
NCCI class code 5213 covers Concrete Construction — Poured Concrete in Florida. This classification is used by workers' compensation carriers to determine premium rates based on the relative injury risk of workers in this occupation. The Florida NCCI rate for code 5213 is $5.18 per $100 of payroll, placing it in the high-risk tier.
Covers workers pouring and finishing concrete — foundations, slabs, driveways, sidewalks, and structural concrete. Concrete work is physically demanding and involves heavy equipment, vibrating tools, and chemical exposure to wet concrete. Very common in Florida's booming construction market.
Because code 5213 is a construction classification, Florida law requires workers' compensation coverage from the first employee. Construction employers cannot use the 4-employee threshold that applies to non-construction businesses.
What Does This Rate Mean in Real Dollars?
At $5.18 per $100 (2026 FWCJUA rate), a concrete worker earning $800/week costs about $41.47/week in workers comp. For a 5-man concrete crew, that's roughly $207/week. Traditional carriers often require a 25% deposit — PEO eliminates that entirely.
Rate History — Code 5213
5-Year Rate Trend
Code 5213 — Florida NCCI rates
Source: Florida NCCI rate filings 2020–2024
Florida NCCI rates for code 5213 have decreased from $6.80 to $5.18 over the past 5 years — a positive trend for employers.
Why PEO Makes Sense for Code 5213
No deposit. No audit. Same-day COI.
Concrete contractors often work on multiple projects simultaneously and need COIs for each GC. PEO provides a single policy that covers all job sites with unlimited additional insured certificates. When you're bidding 3 jobs at once and all 3 GCs need COIs by Friday, PEO delivers.
No Deposit
Pay as you go each week
No Audit
Premium based on actual payroll
Same-Day COI
Instant certificate issuance
📋 Real-World Example
A concrete contractor in Charlotte County has a 6-man crew pouring a commercial slab. A worker gets wet concrete in his eyes and suffers chemical burns. He needs 2 weeks of ophthalmology treatment. Workers comp covers everything. The GC gets the COI they needed to keep the project on schedule.
Common Job Titles Under Code 5213
Top Workers Comp Risks for Code 5213
The NCCI rate for this classification reflects the frequency and severity of workers' compensation claims historically filed by workers in this occupation. The primary risks include:
Florida Workers Comp Requirements for Code 5213
Florida Statute Chapter 440 governs workers' compensation requirements. For construction employers classified under code 5213, coverage is required with 1 or more employees — including the business owner unless a valid exemption is on file with the Florida Division of Workers' Compensation.
The Florida Division of Workers' Compensation conducts random job site inspections and can issue an immediate stop-work order if coverage is not current. The penalty is equal to twice the amount of premium that should have been paid, plus $1,000 per day per employee while uninsured.
OSHA Standards That Apply to Code 5213
Workers in this classification are subject to the following OSHA standards. Violations of these standards are the most common triggers for workers' compensation claims in this trade.
OSHA 1926.702
Concrete and Masonry Construction: concrete buckets, hoppers, and pumping systems must be inspected before each use; workers must not ride concrete buckets.
OSHA 1926.701
General Requirements: no construction loads shall be placed on a concrete structure unless the structure has sufficient strength to support the load.
OSHA 1910.1000
Air Contaminants: concrete dust (silica) exposure limits apply to concrete cutting, grinding, and demolition operations.
OSHA 1926.55
Gases, Vapors, Fumes, Dusts: wet concrete is caustic (pH 12-13); PPE including gloves and eye protection is required when handling fresh concrete.
Florida Stop-Work Order Cases — Code 5213
The Florida Division of Workers' Compensation (DFS) actively enforces coverage requirements. Below are representative enforcement cases involving businesses classified under code 5213.
Charlotte County, 2023: A concrete contractor with 5 workers was found without coverage on a commercial slab pour. DFS stop-work order. Penalty: $24,600.
Sarasota County, 2022: A concrete contractor classified all workers as 1099. DFS determined they were employees. Retroactive premium plus penalties: $29,800.
Manatee County, 2023: A concrete company had a policy but the GC required a waiver of subrogation endorsement that wasn't included. Work delayed 2 days.
Source: Florida DFS enforcement records. Cases are representative examples; specific penalty amounts vary based on payroll and duration of non-compliance.
Typical Payroll & Workers Comp Cost — Code 5213
These are representative payroll ranges for businesses classified under code 5213 in Florida. Actual costs depend on your specific payroll, experience mod, and underwriting factors.
| Crew Size | Weekly Payroll | Est. Annual Comp Cost |
|---|---|---|
| 3-man crew (residential slabs) | $2,400/week | $6,470/year |
| 5-man crew (commercial) | $4,000/week | $10,783/year |
| 10-man crew (large pours) | $8,000/week | $21,565/year |
Estimates based on Florida NCCI rate $5.18/$100 of payroll. Pre-underwriting estimate only.
Why Standard Carriers Decline Code 5213
Many standard insurance carriers restrict or decline coverage for businesses classified under code 5213. Understanding these declination triggers helps you find the right coverage path.
Concrete contractors who also operate concrete pumps or boom trucks face additional declinations due to the equipment liability exposure.
Accounts with prior struck-by fatalities (concrete truck or pump incidents) are declined by standard carriers for 5+ years.
Concrete contractors doing demolition work are almost universally declined by standard carriers and must use PEO or assigned risk.
Common Workers Comp Audit Mistakes for Code 5213
Year-end workers comp audits frequently result in unexpected additional premiums for businesses classified under code 5213. These are the most common audit mistakes to avoid.
Including concrete material costs (ready-mix, rebar) in the payroll base — materials are excluded from workers comp premium calculations.
Not separating concrete finishing (5213) from concrete pumping operations — pump operators may be classified under a different code.
Failing to get certificates from concrete sub-contractors — uninsured sub payroll is added to your audit at your rate.
Experience Mod (EMR) & PEO Advantage
Chemical burns from wet concrete are underreported but common. A single eye injury requiring surgery runs $25,000–$60,000. Concrete contractors with strong safety programs (PPE enforcement, eye wash stations on site) can negotiate better rates even within the PEO structure.
Frequently Asked Questions — Code 5213
What is the workers comp rate for class code 5213 in Florida?
The Florida NCCI rate for class code 5213 (Concrete Construction — Poured Concrete) is $5.18 per $100 of payroll. For a business with $150,000 in annual payroll, the estimated annual workers comp cost is $7,776.
Can I get same-day workers comp coverage for class code 5213?
Yes. Through Comp Ninjas's PEO program, most businesses classified under code 5213 can be approved and receive a Certificate of Insurance (COI) within 24–48 hours. Same-day COI issuance is available in most cases once your application is complete.
Is class code 5213 considered high-risk in Florida?
Code 5213 is classified as high-risk based on its NCCI rate of $5.18 per $100 of payroll. This rate is above 5%, which means standard carriers may decline coverage or require large deposits. Our PEO program specializes in covering high-risk classifications that standard carriers decline.
What is the difference between a PEO and a traditional workers comp policy for code 5213?
A traditional policy for code 5213 requires an upfront deposit (typically 25–35% of annual premium), a year-end audit, and a minimum payroll requirement. Our PEO pay-as-you-go program calculates premium on actual payroll each cycle — no deposit, no audit, no minimum. For a business with $150,000 in annual payroll under code 5213, the annual cost would be approximately $7,776.
How do I switch to a PEO program if I already have a workers comp policy for code 5213?
You can switch at any time — you don't need to wait for your current policy to expire. We handle the transition and coordinate with your current carrier to avoid any coverage gaps. Most clients are enrolled and covered within 24–48 hours of submitting their application.
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