Florida NCCI Workers Comp Classification
FL NCCI Rate
$5.22
per $100 of payroll
Same-Day COI
Available
through PEO program
For code 5022, a worker earning $800/week costs just $41.76/week in workers comp through our PEO program.
FL NCCI Rate
$5.22/$100
per $100 payroll
Risk Level
High
NCCI classification
Same-Day COI
Available
through PEO program
Approval Time
24–48 hrs
most industries
NCCI class code 5022 covers Masonry — Brick, Block & Stone 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 5022 is $5.22 per $100 of payroll, placing it in the high-risk tier.
Covers masons laying brick, concrete block (CBS), stone, and tile for walls, floors, and structures. Florida's CBS (concrete block and stucco) construction style means masonry is one of the most common trades. Masons carry heavy materials all day and work at heights on scaffolding.
Because code 5022 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.
At $5.22 per $100 (2026 FWCJUA rate), a mason earning $850/week costs about $44.37/week in workers comp. For a 4-man masonry crew, that's roughly $177/week. This is a hard-to-place code — most standard carriers won't write it for small contractors without a large deposit.
Official-source evidence
These Florida compliance and safety notes are linked to the governing source. They are educational information, not legal, safety, or underwriting advice.
The Florida Workers’ Compensation Joint Underwriting Association publishes a current rate table for class code 5022. This page uses the published rate of $5.220 per $100 of payroll as an educational reference; final classification, premium, and eligibility remain subject to underwriting.
Source: Florida Workers’ Compensation Joint Underwriting Association Current Florida rate table for class code 5022
Florida DFS states that construction employers with one or more employees, including corporate officers or LLC members, must have workers’ compensation coverage unless an applicable exemption is on file.
Source: Florida Department of Financial Services Florida employer coverage requirements
For masonry work involving scaffolds or elevated work, OSHA’s construction fall-protection resource identifies 29 CFR 1926.451 through 1926.454 for scaffolding as well as 29 CFR 1926.501 through 1926.503 for fall protection.
Source: Occupational Safety and Health Administration OSHA construction fall-protection standards
Source register last reviewed .
Code 5022 — Florida NCCI rates
Approximate historical trend; see the current FWCJUA rate table
Florida NCCI rates for code 5022 have decreased from $7.20 to $5.22 over the past 5 years — a positive trend for employers.
No deposit. No audit. Same-day COI.
Masonry contractors are frequently rejected by standard carriers or quoted rates 20-30% above NCCI manual rates due to their claims history. PEO programs pool risk across thousands of employers, which means even a contractor with a prior claim can get coverage at competitive rates. No rejection, no surcharge.
No Deposit
Pay as you go each week
No Audit
Premium based on actual payroll
Same-Day COI
Instant certificate issuance
This educational scenario illustrates a potential loss exposure. It is not a reported claim or legal advice.
A masonry contractor in Broward County has 5 workers laying CBS block on a new commercial building. A worker suffers a herniated disc from repeatedly lifting 40-lb concrete blocks. Surgery and 4 months of physical therapy cost $85,000. Workers comp covers it all. Without coverage, this would bankrupt most small masonry contractors.
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 Statute Chapter 440 governs workers' compensation requirements. For construction employers classified under code 5022, 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.
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 1926.702
Concrete and Masonry Construction: masonry walls over 8 feet must be braced against overturning and collapse until permanent supporting elements are in place.
OSHA 1926.502
Fall Protection: masons working on scaffolding above 6 feet require fall protection systems; scaffold planks must be capable of supporting 4x the intended load.
OSHA 1910.1053
Respirable Crystalline Silica: masonry cutting, grinding, and tuckpointing generate silica dust; engineering controls and respirators are required.
OSHA 1926.451
Scaffolding: all scaffolding must be erected by a competent person; masons must not work on scaffolding during high winds or storms.
These illustrative scenarios show how coverage gaps, employee classification, and penalty calculations can affect businesses under code 5022.
Broward County, 2023: A masonry contractor with 6 workers was found without workers comp on a commercial CBS building. DFS stop-work order. Penalty: $27,600.
Miami-Dade County, 2022: A masonry contractor classified all workers as 1099. DFS determined they were employees. Retroactive premium plus penalties: $41,200.
Palm Beach County, 2023: A masonry company had coverage but the GC required a waiver of subrogation that wasn't on the certificate. Work stopped for 3 days.
Illustrative examples only—not reported Florida DFS cases. Actual enforcement outcomes and penalty calculations depend on the facts, payroll, and duration of non-compliance.
These are representative payroll ranges for businesses classified under code 5022 in Florida. Actual costs depend on your specific payroll, experience mod, and underwriting factors.
| Crew Size | Weekly Payroll | Est. Annual Comp Cost |
|---|---|---|
| 3-man crew (residential CBS) | $2,550/week | $6,922/year |
| 5-man crew (commercial) | $4,250/week | $11,536/year |
| 8-man crew (large commercial) | $6,800/week | $18,458/year |
Estimates based on Florida NCCI rate $5.22/$100 of payroll. Pre-underwriting estimate only.
Many standard insurance carriers restrict or decline coverage for businesses classified under code 5022. Understanding these declination triggers helps you find the right coverage path.
Masonry contractors with prior back injury claims (disc herniations from heavy lifting) face declinations from standard carriers after 2+ claims in 3 years.
Accounts that do both masonry and stucco work may be required to split payroll between codes, and the stucco portion may be declined separately.
New masonry contractors (under 2 years) are routinely declined by standard carriers and must use PEO or assigned risk.
Year-end workers comp audits frequently result in unexpected additional premiums for businesses classified under code 5022. These are the most common audit mistakes to avoid.
Including mortar, block, and brick material costs in the payroll base — materials are excluded from workers comp premium calculations.
Not separating stucco application (which may have a different code) from block laying — auditors may reclassify the entire payroll to the higher rate.
Failing to get certificates from masonry sub-contractors — uninsured sub payroll is added to your audit at your rate.
Silica dust exposure is the long-term liability in masonry. OSHA's silica standard (1910.1053) took effect in 2017 and enforcement has increased significantly. A single silicosis diagnosis can result in a workers comp claim worth $200,000+. PEO programs provide safety training resources to help masons comply with the silica standard.
The Florida NCCI rate for class code 5022 (Masonry — Brick, Block & Stone) is $5.22 per $100 of payroll. For a business with $150,000 in annual payroll, the estimated annual workers comp cost is $7,830.
Yes. Through Comp Ninjas's PEO program, most businesses classified under code 5022 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.
Code 5022 is classified as high-risk based on its NCCI rate of $5.22 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.
A traditional policy for code 5022 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 5022, the annual cost would be approximately $7,830.
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.
Estimate your annual workers comp cost for code 5022
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