Workers Comp Class Code 5606 — Contractor — Executive Supervisor or Builder
Florida NCCI Workers Comp Classification
FL NCCI Rate
$0.85
per $100 of payroll
Same-Day COI
Available
through PEO program
For code 5606, a worker earning $800/week costs just $6.80/week in workers comp through our PEO program.
FL NCCI Rate
$0.85/$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 5606?
NCCI class code 5606 covers Contractor — Executive Supervisor or Builder 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 5606 is $0.85 per $100 of payroll, placing it in the high-risk tier.
Covers working supervisors and builders who manage and participate in construction work. At $0.85 per $100 of payroll, a supervisor earning $1,200/week costs $10.20/week in workers comp.
Because code 5606 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 $0.85/$100, a supervisor earning $1,200/week costs $10.20/week. Annual cost for $200,000 payroll: ~$1,700.
Rate History — Code 5606
5-Year Rate Trend
Code 5606 — Florida NCCI rates
Source: Florida NCCI rate filings 2020–2024
Florida NCCI rates for code 5606 have decreased from $5.97 to $5.28 over the past 5 years — a positive trend for employers.
Why PEO Makes Sense for Code 5606
No deposit. No audit. Same-day COI.
Working supervisors often get misclassified — putting them under a lower-rated code creates audit exposure. PEO ensures correct classification 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 general contractor in Sarasota with 2 working supervisors and 8 laborers. One supervisor falls off a ladder and fractures his ankle — $22,000 claim covered.
Common Job Titles Under Code 5606
Top Workers Comp Risks for Code 5606
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 5606
Florida Statute Chapter 440 governs workers' compensation requirements. For construction employers classified under code 5606, 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 5606
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 1926.20(b): General safety and health provisions
requires employers to implement a safety program and have a competent person conduct frequent and regular jobsite inspections; executive supervisors/builders under 5606 are responsible for ensuring these inspections occur and hazards are corrected.
29 CFR 1926.21(b)(2): Safety training and education
requires employers to instruct employees in the recognition and avoidance of unsafe conditions; 5606 supervisors must make sure crews and site visitors receive task-specific training and site orientations.
29 CFR 1926.16(b)-(c): Rules of construction
establishes that prime contractors and those who supervise construction are jointly responsible for compliance on multi-employer worksites; executive supervisors acting as controlling employers must enforce subcontractor compliance.
29 CFR 1926.501: Duty to have fall protection
mandates fall protection at heights (edges, roofs, leading edges, holes); 5606 supervisors must plan and verify that fall protection is in place before authorizing work or making roof/deck inspections.
29 CFR 1926.1053: Ladders
sets requirements for selection, inspection, and use of ladders; executive supervisors who frequently climb ladders for inspections must ensure proper ladder setup, tie-off, and removal of defective ladders.
Florida Stop-Work Order Cases — Code 5606
The Florida Division of Workers' Compensation (DFS) actively enforces coverage requirements. Below are representative enforcement cases involving businesses classified under code 5606.
Hillsborough County (2021): A custom home builder sent two executive supervisors to multiple sites while its policy had lapsed for 30 days. DFS issued a stop‑work order and assessed $64,080 ($60,000 for 30 days x 2 employees at $1,000/day + $4,080 for twice the unpaid premium calculated on two years of 5606 payroll).
Orange County (2023): A residential GC misclassified three site‑based executive supervisors as clerical 8810; DFS found active jobsite visits over 28 uncovered days. Penalty totaled $90,290 ($84,000 for 28 days x 3 employees + $6,290 for twice the unpaid premium imputed to 5606 payroll).
Lee County (2024): A builder’s superintendent/executive supervisor continued site walks after the policy was non‑renewed, with no certificates on file for subs. DFS assessed $21,250 ($17,000 for 17 days x 1 employee + $4,250 for twice the unpaid premium under 5606).
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 5606
Many standard insurance carriers restrict or decline coverage for businesses classified under code 5606. Understanding these declination triggers helps you find the right coverage path.
Supervisors using tools or performing hands‑on work: If a 5606 executive supervisor is observed using hand/power tools, doing layout, or working at heights, many standard carriers decline or reclass to higher‑hazard construction codes, so they avoid the account altogether.
Uninsured subcontractor exposure controlled by the supervisor: GCs/builders who don’t maintain current COIs for every sub create chargeable exposure at audit; carriers expect 5606 to manage many subs and will decline when COI controls are weak.
Multi‑trade, high‑hazard site rounds (roofing, steel, demo): Frequent roof/edge inspections and exposure to multiple trades increase fall/struck‑by severity for supervisors; some carriers restrict 5606 to ground‑level projects and decline when site visits include roofs or structural steel.
Documentation gap on “no tool use/no material handling”: Underwriters need written duties, jobsite safety protocols, and proof of no manual labor; when job descriptions and field logs don’t clearly limit 5606 to executive supervision, carriers surcharge heavily or decline.
Common Workers Comp Audit Mistakes for Code 5606
Year-end workers comp audits frequently result in unexpected additional premiums for businesses classified under code 5606. These are the most common audit mistakes to avoid.
Putting project managers/executive supervisors in 8810 clerical or 8742 outside sales even though they visit active jobsites—auditors reclass those wages to 5606 (or to the governing trade like 5403 carpentry) and bill back premium.
Not keeping daily logs proving supervisors do not use tools or perform labor; without time‑segregated records, auditors assign the entire payroll to the highest‑rated construction code worked on any day rather than 5606.
Failing to maintain and renew subcontractor certificates of insurance; uninsured sub costs get picked up at audit (often under the subs’ governing construction classes), and the supervising payroll may be scrutinized or bumped if the supervisor directed that work.
Officer exemptions not aligned with duties: corporate officers who claim construction exemptions but still act as on‑site executive supervisors without proper documentation end up included at audit under 5606 or a higher hazard code.
Experience Mod (EMR) & PEO Advantage
Code 5606 has low expected losses, so even a single lost‑time claim (common for slips/trips on uneven ground or a fall during a roof inspection) can spike the EMR above 1.00 and raise costs across your whole construction program. A PEO places you on a large master policy that smooths volatility, tightens classification control for true 5606 duties, and adds proactive claims management/return‑to‑work so one supervisor injury doesn’t wreck your mod.
Frequently Asked Questions — Code 5606
What is the workers comp rate for class code 5606 in Florida?
The Florida NCCI rate for class code 5606 (Contractor — Executive Supervisor or Builder) is $0.85 per $100 of payroll. For a business with $150,000 in annual payroll, the estimated annual workers comp cost is $1,275.
Can I get same-day workers comp coverage for class code 5606?
Yes. Through Comp Ninjas's PEO program, most businesses classified under code 5606 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 5606 considered high-risk in Florida?
Code 5606 is classified as high-risk based on its NCCI rate of $0.85 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 5606?
A traditional policy for code 5606 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 5606, the annual cost would be approximately $1,275.
How do I switch to a PEO program if I already have a workers comp policy for code 5606?
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.
Cost Calculator
Estimate your annual workers comp cost for code 5606
🔒 Verify to see your quote
Your Quote is Ready!
Enter your cell number to view your instant estimate.
Message and data rates may apply. Message frequency varies. Reply STOP to opt out at any time. Reply HELP for help. By checking this box, you consent to receive text messages from Comp Ninjas at the number provided. This consent is not required to receive a quote or purchase coverage.
View our Privacy Policy and Terms of Service.
Carriers are not liable for delayed or undelivered messages.
🔒 Your info is 100% private. We never sell your contact information.
Look Up Another Class Code
Search any Florida workers comp class code for current NCCI rates and coverage options.
Ready to Get Covered?
Same-day COI. No large down payment. Bilingual support. Get your free quote in 2 minutes.