Workers Comp Class Code 5705 — House Moving - Including Drivers
Florida NCCI Workers Comp Classification
FL NCCI Rate
$7.74
per $100 of payroll
Same-Day COI
Available
through PEO program
For code 5705, a worker earning $800/week costs just $61.94/week in workers comp through our PEO program.
FL NCCI Rate
$7.74/$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 5705?
NCCI class code 5705 covers House Moving - Including Drivers 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 5705 is $7.74 per $100 of payroll, placing it in the high-risk tier.
Covers house moving contractors and their drivers. In Florida, house moving is used for historic preservation, flood zone compliance, and post-hurricane relocation.
Because code 5705 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 5705
5-Year Rate Trend
Code 5705 — Florida NCCI rates
Source: Florida NCCI rate filings 2020–2024
Florida NCCI rates for code 5705 have decreased from $12.80 to $11.50 over the past 5 years — a positive trend for employers.
Why PEO Makes Sense for Code 5705
No deposit. No audit. Same-day COI.
House moving is a specialized trade with very limited insurance options. PEO provides the most accessible path to workers comp coverage with 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 house moving crew member in Pensacola was injured when a structure shifted unexpectedly during transport, causing a support beam to strike him. Workers comp covered $95,000 in treatment.
Common Job Titles Under Code 5705
Top Workers Comp Risks for Code 5705
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 5705
Florida Statute Chapter 440 governs workers' compensation requirements. For construction employers classified under code 5705, 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 5705
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 1926.305 - Jacks (lever, ratchet, screw, and hydraulic): Requires rated load markings, secure blocking/cribbing, and removal from service if damaged—directly applicable when lifting and shoring houses with hydraulic jacks and timber crib stacks.
OSHA 29 CFR 1926.251 - Rigging equipment for material handling: Requires inspection each shift and adherence to safe working load limits for slings, chains, shackles, and hooks used to secure beams, dollies, and tow assemblies under a structure being moved.
OSHA 29 CFR 1926.501 - Duty to have fall protection: Requires guardrails, safety nets, or personal fall arrest when employees work 6 feet or more above a lower level—common when crews access sills, girders, or roofs to prep a house for a raise or move.
OSHA 29 CFR 1926.601 - Motor vehicles: Requires seat belts, backup alarms/spotters, and proper maintenance of brakes and lighting for trucks and tractor-dollies maneuvering houses on off‑highway portions of the jobsite.
OSHA 29 CFR 1926.416(a)(1) - General requirements for protection from electric shock: Requires de-energizing or guarding of live parts and maintaining safe clearance from overhead lines when raising or transporting structures near utilities.
Florida Stop-Work Order Cases — Code 5705
The Florida Division of Workers' Compensation (DFS) actively enforces coverage requirements. Below are representative enforcement cases involving businesses classified under code 5705.
Hillsborough County (2022): DFS issued a Stop-Work Order to a house-moving contractor lifting a 1920s bungalow in Seminole Heights with five field workers but no workers’ comp in place. Penalties totaled about $98,000 based on $50,000 ($1,000/day x 10 days x 5 employees) plus twice the unpaid premium estimated at $24,000 ($48,000).
St. Johns County (2024): During a flood-elevation project in St. Augustine, investigators found three employees jacking and cribbing a residence for 18 days without coverage. DFS assessed approximately $79,000 using the statutory formula—$54,000 in daily penalties plus twice the avoided premium of $12,500 ($25,000).
Broward County (2021): A mover transporting a wood-frame home overnight in Dania Beach used seven laborers and a driver without active workers’ comp. DFS levied roughly $80,400 in penalties—$42,000 in daily fines ($1,000 x 6 days x 7 employees) plus twice the unpaid premium estimated at $19,200 ($38,400).
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 5705
Many standard insurance carriers restrict or decline coverage for businesses classified under code 5705. Understanding these declination triggers helps you find the right coverage path.
Catastrophic crush/structural-collapse exposure during jacking and cribbing—one severe claim (caught-between, amputation, or fatality) can be very high severity, leading many admitted carriers to exclude or surcharge code 5705 heavily.
Mobile operations in public rights‑of‑way with oversized loads—elevated driver and spotter injury potential during backing, towing, and night moves; underwriters view 5705 crews and drivers as high frequency/severity compared to typical construction classes.
Heavy reliance on rigging and occasional crane assists near power lines—exposures (rigging failure, electrical contact) exceed many carriers’ risk appetite without a documented lifting plan, qualified rigger training, and utility clearance procedures.
Use of uninsured 1099 labor or specialty subs (e.g., crane, utility lift crews) and prior compliance gaps/EMR > 1.00—standard markets often decline 5705 when payroll is unstable, subcontractor certs are missing, or there’s any stop‑work history.
Common Workers Comp Audit Mistakes for Code 5705
Year-end workers comp audits frequently result in unexpected additional premiums for businesses classified under code 5705. These are the most common audit mistakes to avoid.
Splitting driver wages into a trucking or moving class instead of keeping them in 5705—drivers are included in this code and will be reassigned (with additional premium) at audit.
Booking riggers/cribbers under a carpentry or handyman code when they perform house-raising/moving tasks; without verifiable time records, NCCI rules push all such wages back to 5705.
Failing to collect valid workers’ comp certificates for crane, utility, or traffic-control subs used on move days—payments to uninsured subs are added as 5705 payroll at audit.
Underreporting field time for owners/foremen who ‘only supervise’ but step in to set cribbing, connect dollies, or rig beams—those hours are field labor and will be charged to 5705, not clerical/sales.
Experience Mod (EMR) & PEO Advantage
For 5705, a single serious loss (crush injury during jacking, back/shoulder strain while cribbing, or a driver incident) can spike the EMR because payroll is often modest but the claim severity is high. A PEO places you on a large master policy, smoothing the impact of one claim and providing house‑moving specific safety help (rigging inspections, jacking/cribbing procedures, driver/spotter protocols) to control losses and improve your future mod.
Frequently Asked Questions — Code 5705
What is the workers comp rate for class code 5705 in Florida?
The Florida NCCI rate for class code 5705 (House Moving - Including Drivers) is $7.74 per $100 of payroll. For a business with $150,000 in annual payroll, the estimated annual workers comp cost is $11,613.
Can I get same-day workers comp coverage for class code 5705?
Yes. Through Comp Ninjas's PEO program, most businesses classified under code 5705 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 5705 considered high-risk in Florida?
Code 5705 is classified as high-risk based on its NCCI rate of $7.74 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 5705?
A traditional policy for code 5705 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 5705, the annual cost would be approximately $11,613.
How do I switch to a PEO program if I already have a workers comp policy for code 5705?
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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