Workers Comp Class Code 5485 — Masonry — Concrete Poured
Florida NCCI Workers Comp Classification
FL NCCI Rate
$5.18
per $100 of payroll
Same-Day COI
Available
through PEO program
For code 5485, a worker earning $800/week costs just $41.47/week in workers comp through our PEO program.
FL NCCI Rate
$5.18/$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 5485?
NCCI class code 5485 covers Masonry — Concrete Poured 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 5485 is $5.18 per $100 of payroll, placing it in the high-risk tier.
Covers contractors forming and pouring concrete walls and foundations. At $8.42/$100, a worker earning $900/week costs $75.78/week in workers comp.
Because code 5485 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 $8.42/$100, a worker earning $900/week costs $75.78/week. Annual cost for $150,000 payroll: ~$12,630.
Rate History — Code 5485
5-Year Rate Trend
Code 5485 — Florida NCCI rates
Source: Florida NCCI rate filings 2020–2024
Florida NCCI rates for code 5485 have decreased from $9.51 to $8.42 over the past 5 years — a positive trend for employers.
Why PEO Makes Sense for Code 5485
No deposit. No audit. Same-day COI.
Poured concrete contractors need flexible coverage for project-based work. PEO provides 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 poured concrete contractor with 5 workers in Osceola County forming and pouring a commercial foundation. A worker is struck by a concrete pump hose — $22,000 claim.
Common Job Titles Under Code 5485
Top Workers Comp Risks for Code 5485
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 5485
Florida Statute Chapter 440 governs workers' compensation requirements. For construction employers classified under code 5485, 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 5485
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 1926.701 – Concrete and Masonry Construction: General Requirements. Requires guarding of protruding reinforcing steel to prevent impalement, safe placement practices, and PPE for cement exposure—core hazards for poured-in-place crews handling rebar and wet concrete.
OSHA 1926.703 – Requirements for Formwork and Shoring. Mandates engineered design, proper shoring/reshoring, inspection, and bracing of forms so they support all vertical and lateral loads until concrete reaches required strength—directly applicable to slab, wall, and column pours.
OSHA 1926.702 – Requirements for Equipment and Tools. Covers guarding and safe use of power trowels, mixers, concrete buggies, and concrete pumps, including control of blow‑outs and line bursts—critical for flatwork and deck pours.
OSHA 1926.501 – Duty to Have Fall Protection. Requires guardrails, safety nets, or personal fall arrest systems at 6 feet or more above a lower level—applies to crews working on elevated decks, forms, edges, and leading lines during pours and finishing.
OSHA 1926.1153 – Respirable Crystalline Silica (Construction). Requires exposure control methods (Table 1), water or HEPA dust controls, and medical surveillance when cutting, grinding, chipping, or drilling concrete—common tasks for poured concrete contractors during prep and finishing.
Florida Stop-Work Order Cases — Code 5485
The Florida Division of Workers' Compensation (DFS) actively enforces coverage requirements. Below are representative enforcement cases involving businesses classified under code 5485.
Miami-Dade County (2023): DFS issued a stop‑work order to a poured‑in‑place concrete contractor placing a 10th‑floor deck in Brickell after finding 11 laborers paid in cash with no workers’ comp. Penalty assessed at $99,000 for 9 uncovered workdays ($1,000/day × 11 employees × 9 days) plus twice the estimated unpaid premium of $28,500, totaling $127,500.
Polk County (2021): A subdivision slab and driveway crew was cited after a DFS sweep found no active policy and several 1099 finishers functioning as employees. The contractor was fined $140,000 for 20 uncovered days with 7 workers ($1,000/day × 7 × 20) plus twice the unpaid premium estimated at $16,000, for a total of $156,000.
Lee County (2024): During a tilt‑wall pour in Fort Myers using a rented boom pump, DFS discovered the company’s policy had been canceled and the certificate on site was invalid. Penalties included $63,000 for 7 uncovered days with 9 employees ($1,000/day × 9 × 7) plus twice the unpaid premium of $18,000, totaling $81,000.
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 5485
Many standard insurance carriers restrict or decline coverage for businesses classified under code 5485. Understanding these declination triggers helps you find the right coverage path.
High‑hazard operations: elevated deck pours, tilt‑wall panels, and heavy formwork/shoring with exposure to falls, form collapse, and concrete pump line failures—loss severity pushes many admitted carriers to decline or surcharge 5485.
Subcontractor and labor practices: extensive use of 1099 finishers and uninsured subs, cash payroll, and borrowed labor with poor certificate tracking—creates uncontrollable audit exposure and misclassification risk specific to poured concrete crews.
Adverse loss history/EMR: frequency of back strains, crush injuries, rebar impalement, and concrete burns; a few lost‑time claims quickly drive the mod above appetite (e.g., >1.10–1.20), prompting declinations for 5485 accounts.
Project profile issues: multi‑story work, night pours, tight schedules, and concrete pumping/post‑tensioning without documented engineered formwork plans and a silica/fall program—underwriters view these as red flags unique to structural/poured work.
Common Workers Comp Audit Mistakes for Code 5485
Year-end workers comp audits frequently result in unexpected additional premiums for businesses classified under code 5485. These are the most common audit mistakes to avoid.
Splitting payroll out of 5485 into cheaper codes like carpentry (5403) for form setting or masonry block (5022) for wall work—auditors typically assign the entire crew’s time back to 5485 when the primary operation is forming and pouring.
Not including uninsured subcontractor costs (finish crews, rebar placers, small pump operators) when COIs are missing or policies are canceled—auditors add those payments to 5485 payroll at the full rate.
Improperly classifying field foremen/working supervisors as 5606 or 8810; without time‑card segregation proving office‑only duties, auditors move their on‑site hours to 5485.
Omitting yard/shop time and site prep hours (building forms, cleaning pumps/lines, cutting control joints) from 5485 payroll—auditors include this time because it supports the poured concrete operation.
Experience Mod (EMR) & PEO Advantage
For code 5485, even one severe loss (fall from a deck, crush injury from formwork, or a major back strain during a pour) can spike your EMR and push you out of the standard market, raising your rate far above the $5.184 base. A PEO places you on a large master policy already rated for poured‑in‑place concrete, adds aggressive claims triage and light‑duty return‑to‑work, and tightens silica/fall/formwork controls—reducing claim frequency and stabilizing your mod over time.
Frequently Asked Questions — Code 5485
What is the workers comp rate for class code 5485 in Florida?
The Florida NCCI rate for class code 5485 (Masonry — Concrete Poured) is $5.18 per $100 of payroll. For a business with $150,000 in annual payroll, the estimated annual workers comp cost is $7,776.
Can I get same-day workers comp coverage for class code 5485?
Yes. Through Comp Ninjas's PEO program, most businesses classified under code 5485 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 5485 considered high-risk in Florida?
Code 5485 is classified as high-risk based on its NCCI rate of $5.18 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 5485?
A traditional policy for code 5485 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 5485, the annual cost would be approximately $7,776.
How do I switch to a PEO program if I already have a workers comp policy for code 5485?
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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