Workers Comp Class Code 5348 — Marble & Stone Setting
Florida NCCI Workers Comp Classification
FL NCCI Rate
$2.67
per $100 of payroll
Same-Day COI
Available
through PEO program
For code 5348, a worker earning $800/week costs just $21.37/week in workers comp through our PEO program.
FL NCCI Rate
$2.67/$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 5348?
NCCI class code 5348 covers Marble & Stone Setting 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 5348 is $2.67 per $100 of payroll, placing it in the high-risk tier.
Covers marble and stone setters installing countertops, flooring, and wall cladding. At $7.42/$100, a setter earning $900/week costs $66.78/week.
Because code 5348 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 setter earning $900/week costs $66.78/week. Annual cost for $150,000 payroll: ~$11,130.
Rate History — Code 5348
5-Year Rate Trend
Code 5348 — Florida NCCI rates
Source: Florida NCCI rate filings 2020–2024
Florida NCCI rates for code 5348 have decreased from $8.29 to $7.42 over the past 5 years — a positive trend for employers.
Why PEO Makes Sense for Code 5348
No deposit. No audit. Same-day COI.
Marble and stone contractors work on high-end residential and commercial projects. PEO provides same-day COI and pay-as-you-go 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 marble and stone company in Palm Beach County with 4 workers installing kitchen countertops. A worker drops a heavy granite slab on his foot — $14,000 claim.
Common Job Titles Under Code 5348
Top Workers Comp Risks for Code 5348
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 5348
Florida Statute Chapter 440 governs workers' compensation requirements. For construction employers classified under code 5348, 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 5348
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 1926.1153 – Respirable Crystalline Silica (Construction): Requires a written exposure control plan, PEL of 50 µg/m³, wet cutting or HEPA shrouded tools when cutting/grinding marble, granite, or engineered stone, housekeeping restrictions (no dry sweeping), and medical surveillance when exposures meet the action level.
OSHA 1926.451 – Scaffolds: Governs design, erection, access, guardrails/toeboards, and tie‑ins for scaffold use when installing exterior stone veneer or heavy wall panels.
OSHA 1926.1053 – Ladders: Specifies ladder selection, 4:1 angle, securing, three‑point contact, and prohibitions on top‑step standing—common when setting backsplashes, shower surrounds, and wall cladding.
OSHA 1926.501 – Duty to Have Fall Protection: Requires fall protection at 6 feet or more when setting stone on balconies, stairways, mezzanines, or exterior elevations not fully protected by scaffolds/guardrails.
OSHA 1910.1200 – Hazard Communication: Requires labels, SDS access, and training for epoxy adhesives, sealers, color enhancers, and other chemicals used in stone setting and finishing.
Florida Stop-Work Order Cases — Code 5348
The Florida Division of Workers' Compensation (DFS) actively enforces coverage requirements. Below are representative enforcement cases involving businesses classified under code 5348.
Miami-Dade County (2023): DFS Bureau of Compliance found a marble & stone setting crew of 7 installing large-format stone in a Brickell condo tower with coverage lapsed for 19 days. Penalty assessed using $1,000/day per employee ($133,000) plus twice the estimated unpaid premium ($18,400), totaling $151,400.
Hillsborough County (2022): A countertop installer in Tampa used five field setters paid partly in cash and had no active workers’ comp for 34 days. DFS issued a stop‑work order and levied $170,000 in daily fines plus twice the unpaid premium of $12,600, for a total of $182,600.
Palm Beach County (2024): An exterior stone veneer contractor in Palm Beach Gardens worked with eight installers on a custom home for 14 uninsured days. DFS calculated $112,000 in daily fines plus $22,800 (twice the unpaid premium), totaling $134,800.
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 5348
Many standard insurance carriers restrict or decline coverage for businesses classified under code 5348. Understanding these declination triggers helps you find the right coverage path.
High severity exposure to slab tip‑overs and crush injuries during handling of A‑frames, carts, and hoists; hand/finger amputations from wet saws and grinders; and silica‑related claims from dry cutting—loss severity drives many carriers to decline 5348.
Frequent work on ladders/scaffolds and on exterior elevations (stone veneer on facades) increases fall potential; underwriters flag inadequate fall protection/scaffold controls and will decline or heavily surcharge.
Heavy reliance on 1099 installers and labor brokers without valid certificates of workers’ comp leads to uninsured subcontractor exposure and misclassification risk—common reasons for declination under 5348.
Mixed operations (shop fabrication and field installation) submitted only as 5348 without separating shop exposure (e.g., 1803 Stone Cutting/Polishing) and without documented controls for cranes/forklifts/respirable silica cause carriers to pass on the account.
Common Workers Comp Audit Mistakes for Code 5348
Year-end workers comp audits frequently result in unexpected additional premiums for businesses classified under code 5348. These are the most common audit mistakes to avoid.
Combining fabrication shop payroll with field‑installation payroll under 5348 or failing to maintain time/payroll records to properly split shop work (often 1803) from installation—auditors will move all wages to 5348 if records are inadequate.
Classifying driver/helpers as 7380 (Drivers) even though they regularly help unload and set slabs on site; without contemporaneous time segregation, auditors reassign those hours to 5348.
Excluding 1099 setters, day labor paid in cash, or labor‑broker crews; when COIs are missing/invalid, auditors include those payments as 5348 payroll, creating large additional premiums.
Not tracking overtime premium correctly and failing to keep certified payroll/timecards for multiple duties (templating, warehouse light duty vs. installation), leading to overcharges to 5348 during the final audit.
Experience Mod (EMR) & PEO Advantage
For marble & stone setting (5348), the EMR is highly sensitive to both frequency and severity: frequent strains from lifting slabs and lacerations drive up the primary loss portion, while a single crush or amputation claim can spike the mod for three policy years. A PEO can help by providing stronger loss control (silica plans, material‑handling training, ladder/scaffold programs) and aggressive return‑to‑work options (warehouse inventory, templating, deliveries) to reduce indemnity days. While joining a PEO doesn’t erase your loss history, access to a master policy and dedicated claims management can stabilize pricing and help the mod trend down over time.
Frequently Asked Questions — Code 5348
What is the workers comp rate for class code 5348 in Florida?
The Florida NCCI rate for class code 5348 (Marble & Stone Setting) is $2.67 per $100 of payroll. For a business with $150,000 in annual payroll, the estimated annual workers comp cost is $4,006.
Can I get same-day workers comp coverage for class code 5348?
Yes. Through Comp Ninjas's PEO program, most businesses classified under code 5348 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 5348 considered high-risk in Florida?
Code 5348 is classified as high-risk based on its NCCI rate of $2.67 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 5348?
A traditional policy for code 5348 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 5348, the annual cost would be approximately $4,006.
How do I switch to a PEO program if I already have a workers comp policy for code 5348?
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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