Workers Comp Class Code 5462 — Glaziers
Florida NCCI Workers Comp Classification
FL NCCI Rate
$4.01
per $100 of payroll
Same-Day COI
Available
through PEO program
For code 5462, a worker earning $800/week costs just $32.06/week in workers comp through our PEO program.
FL NCCI Rate
$4.01/$100
per $100 payroll
Risk Level
Medium
NCCI classification
Same-Day COI
Available
through PEO program
Approval Time
24–48 hrs
most industries
What Is Workers Comp Class Code 5462?
NCCI class code 5462 covers Glaziers 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 5462 is $4.01 per $100 of payroll, placing it in the medium-risk tier.
Covers glaziers who install glass in windows, doors, storefronts, and curtain walls. Florida hurricane impact window market and commercial construction create strong demand.
Because code 5462 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?
Contact Comp Ninjas for a personalized rate quote. PEO pricing is pay-as-you-go with no deposit required.
Rate History — Code 5462
5-Year Rate Trend
Code 5462 — Florida NCCI rates
Source: Florida NCCI rate filings 2020–2024
Florida NCCI rates for code 5462 have decreased from $9.20 to $8.40 over the past 5 years — a positive trend for employers.
Why PEO Makes Sense for Code 5462
No deposit. No audit. Same-day COI.
Glaziers in Florida often work on hurricane-rated window projects requiring specific insurance documentation. PEO provides same-day COI and flexible coverage.
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 glazier in Miami suffered severe lacerations to both hands when a large impact glass panel shattered during installation. Workers comp covered $62,000 in hand surgery.
Common Job Titles Under Code 5462
Top Workers Comp Risks for Code 5462
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 5462
Florida Statute Chapter 440 governs workers' compensation requirements. For construction employers classified under code 5462, 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 5462
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 29 CFR 1926.501 – Duty to have fall protection: Glaziers working 6 ft or more above a lower level (on roofs, edges, balconies, or through open window openings) must use guardrail systems, safety nets, or personal fall arrest systems.
OSHA 29 CFR 1926.451 – Scaffolds, general requirements: Covers suspended/swing-stage and supported scaffolds commonly used by glaziers; requires proper capacity, platform construction, guardrails, access, tie-ins, and competent person inspections.
OSHA 29 CFR 1926.453 – Aerial lifts: Requires training and use of fall protection when working from boom lifts used to set storefront and curtainwall glass; prohibits climbing or sitting on the basket edge and mandates safe positioning.
OSHA 29 CFR 1926.1425 – Keeping clear of the load (Cranes & Derricks): When hoisting large glass panes or unitized curtainwall with cranes, employees must stay clear of suspended loads; requires proper rigging practices and controlled zones.
OSHA 29 CFR 1926.102 – Eye and face protection: Requires safety glasses with side shields or face shields when cutting, grinding, or handling glass to protect against chips and shards.
Florida Stop-Work Order Cases — Code 5462
The Florida Division of Workers' Compensation (DFS) actively enforces coverage requirements. Below are representative enforcement cases involving businesses classified under code 5462.
2024 – Miami-Dade County: DFS issued a stop‑work order to a glazier subcontractor on a Brickell high‑rise where six installers on swing stages had no active workers’ comp and were paid in cash. Penalties included $84,000 for 14 days x 6 employees ($1,000/day/employee) plus twice the estimated unpaid premium of $28,600, totaling $112,600.
2023 – Broward County: A storefront and curtainwall installer in Pompano had uninsured 5‑man field crews for a month while bidding multiple jobs, claiming coverage was “pending.” DFS assessed $150,000 for 30 days x 5 employees, plus twice the unpaid premium estimated at $22,000, for a total of $172,000.
2021 – Hillsborough County: A Tampa glazing contractor’s policy lapsed mid‑project on a hospital retrofit; four glaziers continued working 45 days uninsured. DFS assessed $180,000 for the days x employees, plus $12,000 (twice the unpaid premium) for a total of $192,000.
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 5462
Many standard insurance carriers restrict or decline coverage for businesses classified under code 5462. Understanding these declination triggers helps you find the right coverage path.
Regular work at height (curtainwall and multi‑story glazing over 3–4 stories, swing stages, and boom lifts) drives severe fall exposure, so many standard carriers either decline 5462 or add steep height surcharges and exclusions.
Use of 1099/glass “crews” and uninsured subcontractors is common in 5462; lack of clean certificates and site controls leads carriers to decline due to audit pickup risk and employer/employee misclassification concerns.
Handling and hoisting of large, heavy panes and unitized systems with cranes/suction lifters increases catastrophic loss potential (crush injuries, severe lacerations, struck‑by), which pushes many admitted markets out of this class code.
New ventures or accounts with prior OSHA fall/scaffold citations, a recent stop‑work order, or an EMR above 1.20 are often declined or heavily surcharged because loss history and safety culture are critical for glazier underwriting.
Common Workers Comp Audit Mistakes for Code 5462
Year-end workers comp audits frequently result in unexpected additional premiums for businesses classified under code 5462. These are the most common audit mistakes to avoid.
Shifting working foremen into 5606 (construction supervisors) or 8810/8742 (clerical/sales) without contemporaneous time records; when they step onto the jobsite to measure, demo, or set panes, NCCI rules move all of their wages back to 5462.
Trying to split shop/warehouse time into a lower‑rated code (e.g., 4352 glass manufacturing/tempering or 8017 store) without a separately maintained operation and physical separation; auditors reassign those wages to 5462 installation.
Paying field glaziers as 1099 “subs” without valid workers’ comp certificates; at audit, those payments are treated as uninsured subcontractor labor and charged to 5462 payroll—often with penalties.
Not tracking height work and special pay correctly (piece‑rate, per diem, cash for weekend installs); without clean payroll detail by employee and job, auditors default all mixed duties to the highest‑rated class—5462.
Experience Mod (EMR) & PEO Advantage
For code 5462, frequent hand lacerations and strains can steadily push your EMR above 1.00, while a single fall-from-height claim can spike severity and raise the mod for three policy years. Because small glazier payrolls have low credibility, even one loss moves the needle. A PEO places you on a large master policy and brings tight loss control (fall protection, scaffold/aerial lift training) and aggressive claims management/light-duty options, helping stabilize pricing and reduce future mod impact.
Frequently Asked Questions — Code 5462
What is the workers comp rate for class code 5462 in Florida?
The Florida NCCI rate for class code 5462 (Glaziers) is $4.01 per $100 of payroll. For a business with $150,000 in annual payroll, the estimated annual workers comp cost is $6,010.
Can I get same-day workers comp coverage for class code 5462?
Yes. Through Comp Ninjas's PEO program, most businesses classified under code 5462 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 5462 considered high-risk in Florida?
Code 5462 is classified as medium-risk based on its NCCI rate of $4.01 per $100 of payroll. This is a moderate rate that most carriers will cover, though our PEO pay-as-you-go program typically offers better terms than a traditional standalone policy.
What is the difference between a PEO and a traditional workers comp policy for code 5462?
A traditional policy for code 5462 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 5462, the annual cost would be approximately $6,010.
How do I switch to a PEO program if I already have a workers comp policy for code 5462?
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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