Workers Comp Class Code 5511 — Concrete Construction — NOC
Florida NCCI Workers Comp Classification
FL NCCI Rate
$4.80
per $100 of payroll
Same-Day COI
Available
through PEO program
For code 5511, a worker earning $800/week costs just $38.40/week in workers comp through our PEO program.
FL NCCI Rate
$4.80/$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 5511?
NCCI class code 5511 covers Concrete Construction — NOC 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 5511 is $4.80 per $100 of payroll, placing it in the high-risk tier.
Covers general concrete construction work including forming, pouring, and finishing. At $7.42/$100, a worker earning $900/week costs $66.78/week in workers comp.
Because code 5511 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 $7.42/$100, a worker earning $900/week costs $66.78/week. Annual cost for $180,000 payroll: ~$13,356.
Rate History — Code 5511
5-Year Rate Trend
Code 5511 — Florida NCCI rates
Source: Florida NCCI rate filings 2020–2024
Florida NCCI rates for code 5511 have decreased from $8.29 to $7.42 over the past 5 years — a positive trend for employers.
Why PEO Makes Sense for Code 5511
No deposit. No audit. Same-day COI.
Concrete contractors are essential to Florida's construction industry. PEO provides same-day COI and pay-as-you-go coverage — no deposit required.
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 crew of 6 in Orange County is pouring a commercial slab. A worker suffers chemical burns on his knees from kneeling in fresh concrete — $12,000 claim.
Common Job Titles Under Code 5511
Top Workers Comp Risks for Code 5511
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 5511
Florida Statute Chapter 440 governs workers' compensation requirements. For construction employers classified under code 5511, 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 5511
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.
29 CFR 1926.701
General requirements for concrete and masonry construction: requires guarding of protruding rebar to prevent impalement, restricting access during post-tensioning, prohibiting riding concrete buckets, and using appropriate PPE for concrete placement and finishing.
29 CFR 1926.703
Requirements for cast-in-place concrete: formwork and shoring/reshoring must be designed and inspected by a qualified person, supported to carry all vertical and lateral loads, and not removed until concrete has gained sufficient strength verified by tests or accepted tables.
29 CFR 1926.702
Requirements for equipment and tools: covers safe use of concrete mixers, pumps, buggies, grinders, and power trowels (including guard rings and emergency shutoffs), hose and pipe supports to prevent whipping, and lockout/tagout of equipment during maintenance.
29 CFR 1926.501
Duty to have fall protection: requires guardrails, covers, or personal fall arrest systems for employees working 6 feet or more above lower levels, and securing or covering floor/deck openings and leading edges during elevated slab and formwork operations.
29 CFR 1926.1153
Respirable crystalline silica (construction): mandates an exposure control plan and Table 1 controls (wet cutting, HEPA dust collection, and respirators as required) for tasks like saw-cutting, chipping, drilling, and grinding concrete; PEL is 50 µg/m³ as an 8-hour TWA.
Florida Stop-Work Order Cases — Code 5511
The Florida Division of Workers' Compensation (DFS) actively enforces coverage requirements. Below are representative enforcement cases involving businesses classified under code 5511.
Miami-Dade County (2023): DFS issued a stop-work order on a 5511 concrete crew pouring an elevated slab in Brickell that had nine “1099” laborers and no valid Florida WC policy. Penalty assessed at $64,000 based on $1,000 per day per employee for multiple days on site plus twice the estimated unpaid premium.
Polk County (2022): A Lakeland tilt-wall warehouse project used an uninsured 5511 subcontractor for panel casting and bracing; six workers were observed over a week. DFS shut the job and levied roughly $62,000 in penalties using $1,000/day/employee plus twice the unpaid premium.
Lee County (2024): Foundation and slab crews for a Fort Myers subdivision operated under the GC’s cert with no direct coverage for the 5511 sub; eight finishers and laborers were on site for three days. DFS issued a stop-work order and a $38,000 penalty calculated as $1,000 per employee per day plus double the estimated premium due.
Source: Florida DFS enforcement records. Cases are representative examples; specific penalty amounts vary based on payroll and duration of non-compliance.
Why Standard Carriers Decline Code 5511
Many standard insurance carriers restrict or decline coverage for businesses classified under code 5511. Understanding these declination triggers helps you find the right coverage path.
Elevated structural concrete exposure (multi-story decks, flying forms, leading-edge work) under 5511 creates severe fall and collapse potential; many standard carriers restrict or decline accounts performing regular work above one story or on shored decks.
Use of concrete pump trucks/placing booms and frequent crane lifts of forms and rebar increases struck-by and hose-whip losses; carriers often surcharge heavily or decline 5511 risks that own or regularly lease this equipment without strong, documented controls and operator training.
Silica-intensive operations (saw-cutting, chipping, grinding) without a written 1926.1153 program, air monitoring, and medical surveillance trigger declinations due to occupational disease and cumulative trauma exposure common in 5511 work.
Labor practices typical in concrete (uninsured 1099 crews, labor brokers, or heavy uninsured subcontract cost) cause carriers to decline 5511 because they expect W-2 payroll, certificates for every sub, and clean three-year loss runs specific to concrete construction.
Common Workers Comp Audit Mistakes for Code 5511
Year-end workers comp audits frequently result in unexpected additional premiums for businesses classified under code 5511. These are the most common audit mistakes to avoid.
Rolling reinforcing steel/rebar installation payroll into 5511 when the crew is performing stand‑alone rebar placement that is subject to iron/steel erection classification (often 5040). Auditors reclass those hours, creating large retroactive premiums and potential EMR impact.
Including uninsured subs like finishers, saw-cutters, or pump operators as exempt 1099s. During audit, the carrier adds their labor costs into the 5511 payroll because no valid Florida WC certificates (matching policy period and scope) were on file.
Mixing flatwork/grade-beam/sidewalk crews with elevated formwork crews under a single class. Auditors frequently move elevated deck/form/shoring payroll to 5511 from lower-rated concrete codes (e.g., 5213-type flatwork), driving a sizable additional premium.
Poor documentation of overtime and per diem: failing to keep timecards that separate straight-time from premium O/T (so no overtime exclusion is allowed) and paying untaxed cash per diems that get counted as remuneration, inflating 5511 payroll at audit.
Experience Mod (EMR) & PEO Advantage
Code 5511 losses tend to be frequent (strains, eye injuries, cuts) with occasional severe claims from falls, form failures, or hose‑whip incidents, so even one lost‑time claim can push the EMR well above 1.00. A PEO master policy spreads 5511 risk across a larger pool and brings tighter claims management and safety resources for silica, fall protection, and formwork controls, which helps reduce claim frequency and stabilize your effective rate.
Frequently Asked Questions — Code 5511
What is the workers comp rate for class code 5511 in Florida?
The Florida NCCI rate for class code 5511 (Concrete Construction — NOC) is $4.80 per $100 of payroll. For a business with $150,000 in annual payroll, the estimated annual workers comp cost is $7,200.
Can I get same-day workers comp coverage for class code 5511?
Yes. Through Comp Ninjas's PEO program, most businesses classified under code 5511 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 5511 considered high-risk in Florida?
Code 5511 is classified as high-risk based on its NCCI rate of $4.80 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 5511?
A traditional policy for code 5511 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 5511, the annual cost would be approximately $7,200.
How do I switch to a PEO program if I already have a workers comp policy for code 5511?
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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