Workers Comp Class Code 5507 — Concrete Pumping
Florida NCCI Workers Comp Classification
FL NCCI Rate
$3.29
per $100 of payroll
Same-Day COI
Available
through PEO program
For code 5507, a worker earning $800/week costs just $26.29/week in workers comp through our PEO program.
FL NCCI Rate
$3.29/$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 5507?
NCCI class code 5507 covers Concrete Pumping 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 5507 is $3.29 per $100 of payroll, placing it in the high-risk tier.
Covers concrete pump operators and their helpers. At $9.84/$100, a worker earning $1,000/week costs $98.40/week in workers comp.
Because code 5507 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 $9.84/$100, a worker earning $1,000/week costs $98.40/week. Annual cost for $150,000 payroll: ~$14,760.
Rate History — Code 5507
5-Year Rate Trend
Code 5507 — Florida NCCI rates
Source: Florida NCCI rate filings 2020–2024
Florida NCCI rates for code 5507 have decreased from $11.08 to $9.84 over the past 5 years — a positive trend for employers.
Why PEO Makes Sense for Code 5507
No deposit. No audit. Same-day COI.
Concrete pump operators are frequently declined by standard carriers. PEO provides coverage with no deposit and same-day COI.
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 pumping company with 3 operators in Orange County. A pump hose bursts under pressure striking a worker — $35,000 claim.
Common Job Titles Under Code 5507
Top Workers Comp Risks for Code 5507
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 5507
Florida Statute Chapter 440 governs workers' compensation requirements. For construction employers classified under code 5507, 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 5507
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 1926.1153
Respirable Crystalline Silica in Construction: Requires a written exposure control plan, water/dust controls, and respirators as needed when tasks (e.g., dry cleanup of spilled/dried concrete at the pump or washout area) can generate silica dust for pump operators and hosemen.
29 CFR 1926.501
Duty to Have Fall Protection: Requires protection at 6 ft+ when pump crews work on elevated forms/decks, slabs-on-deck, or edges while managing the end hose or moving slickline.
29 CFR 1926.416
Electrical, General Requirements: Requires de-energizing/guarding of power circuits and precautions to prevent contact; applies to truck-mounted placing booms working near overhead power lines during setup and pumping.
29 CFR 1926.600
Equipment: Motor Vehicles, Mechanized Equipment: Requires inspections, seat belts, operable backup alarms/spotters, and safe operation of construction vehicles; applies directly to truck-mounted concrete pumps on jobsites.
29 CFR 1926.102
Eye and Face Protection: Requires appropriate eye/face PPE where hazards exist; critical for blowback during priming, hose whipping, line clean-out, and exposure to grout/primers.
Florida Stop-Work Order Cases — Code 5507
The Florida Division of Workers' Compensation (DFS) actively enforces coverage requirements. Below are representative enforcement cases involving businesses classified under code 5507.
Miami-Dade County (2023): DFS issued a stop-work order at a warehouse slab pour in Doral after finding a truck-mounted boom pump operating with five uncovered workers. Non-compliance was documented for 32 days; penalties assessed included $160,000 ($1,000/day per employee) plus approximately $65,700 for twice the estimated unpaid premium, totaling about $225,700.
Hillsborough County (2022): A Tampa high-rise deck pour used a 52m boom with a three-person crew; the employer’s prior policy had lapsed and no active PEO certificate was available on site. DFS calculated 47 days of non-compliance, assessing $141,000 in daily penalties plus roughly $36,600 (2x unpaid premium) for a total near $177,600.
Orange County (2024): During a night pour at a theme-park hotel project, DFS found seven concrete pumping employees (operator, two hosemen, and four laborers) working without comp. Eighteen days of non-compliance triggered $126,000 in daily penalties plus about $84,000 (twice estimated premium), for a total around $210,000.
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 5507
Many standard insurance carriers restrict or decline coverage for businesses classified under code 5507. Understanding these declination triggers helps you find the right coverage path.
High-severity loss potential unique to concrete pumping: hose whipping, line blockages, tip-hose strikes, outrigger failure/overturn, and overhead power-line contact can produce catastrophic WC claims that many admitted markets won’t accept for 5507.
Mobile boom pumps on multi-employer jobsites with limited site control: underwriters see elevated struck-by and slip/trip exposures for hosemen working around rebar and edges, especially during deck pours and high-production night pours.
Inadequate operator training and procedures: lack of ACPA-style certification, no documented lockout of pump during clean-out, weak prime/boom setup protocols, and poor spotter practices near power lines lead to declinations or steep surcharges for 5507.
Labor practices that spike audit and claim risk: use of 1099 “operators,” leased helpers without valid WC, and inconsistent payroll records for travel/setup/tear-down prompt carriers to decline or require very high minimum premiums and deductibles for concrete pumping accounts.
Common Workers Comp Audit Mistakes for Code 5507
Year-end workers comp audits frequently result in unexpected additional premiums for businesses classified under code 5507. These are the most common audit mistakes to avoid.
Misclassifying pump crew time (operator, hosemen, and setup/tear-down) into concrete finishing codes (e.g., 5213/5221) or driver code instead of 5507; all on-site pumping, priming, boom setup, and washout labor belongs in 5507.
Excluding travel, mobilization, and jobsite standby time from payroll; auditors add these wages back for pump operators and hosemen because they are part of the pumping operation.
Treating overtime incorrectly: contractors often try to exclude the full overtime amount—only the premium portion above the regular rate can be excluded. Auditors routinely add back the base rate for all overtime hours to 5507.
Using 1099 helpers or signalmen without valid Florida WC or construction exemptions; during audit, uninsured subs’ payments are folded into the employer’s 5507 payroll, inflating premium and possibly triggering a revision of the experience mod.
Experience Mod (EMR) & PEO Advantage
For 5507 Concrete Pumping, the EMR is heavily influenced by a mix of frequent strains/sprains (handling end hose, dragging slickline) and occasional severe losses (electrical contact, hose whipping, outrigger failures). Even a few medical-only claims can raise the mod because primary losses are weighted more than excess losses, while a single severe loss can keep the mod elevated for three policy years. A PEO won’t erase your mod in Florida (NCCI experience rating follows your FEIN), but a specialty PEO can help drive the mod down over time with pump-specific safety training, documented return-to-work, better claim triage, and tighter classification/payroll controls for 5507.
Frequently Asked Questions — Code 5507
What is the workers comp rate for class code 5507 in Florida?
The Florida NCCI rate for class code 5507 (Concrete Pumping) is $3.29 per $100 of payroll. For a business with $150,000 in annual payroll, the estimated annual workers comp cost is $4,929.
Can I get same-day workers comp coverage for class code 5507?
Yes. Through Comp Ninjas's PEO program, most businesses classified under code 5507 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 5507 considered high-risk in Florida?
Code 5507 is classified as high-risk based on its NCCI rate of $3.29 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 5507?
A traditional policy for code 5507 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 5507, the annual cost would be approximately $4,929.
How do I switch to a PEO program if I already have a workers comp policy for code 5507?
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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