Workers Comp Class Code 5102 — Plastering or Stucco Work
Florida NCCI Workers Comp Classification
FL NCCI Rate
$4.78
per $100 of payroll
Same-Day COI
Available
through PEO program
For code 5102, a worker earning $800/week costs just $38.23/week in workers comp through our PEO program.
FL NCCI Rate
$4.78/$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 5102?
NCCI class code 5102 covers Plastering or Stucco Work 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 5102 is $4.78 per $100 of payroll, placing it in the medium-risk tier.
Covers plastering and stucco contractors. Stucco is the dominant exterior finish in Florida due to its durability in the humid climate, making this a high-demand trade.
Because code 5102 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 5102
5-Year Rate Trend
Code 5102 — Florida NCCI rates
Source: Florida NCCI rate filings 2020–2024
Florida NCCI rates for code 5102 have decreased from $8.50 to $7.80 over the past 5 years — a positive trend for employers.
Why PEO Makes Sense for Code 5102
No deposit. No audit. Same-day COI.
Stucco contractors in Florida are often small crews that need flexible workers comp. PEO provides pay-as-you-go coverage with no deposit and 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 stucco applicator in Fort Lauderdale fell from scaffolding while working on a two-story home exterior. Workers comp covered $55,000 in wrist and shoulder treatment.
Common Job Titles Under Code 5102
Top Workers Comp Risks for Code 5102
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 5102
Florida Statute Chapter 440 governs workers' compensation requirements. For construction employers classified under code 5102, 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 5102
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.
29 CFR 1926.451 – Scaffolds: General requirements. For stucco/plaster crews working from frame or pump-jack scaffolds, this sets guardrail/toe-board requirements, platform width and loading limits, tie-ins, access, and daily inspections.
29 CFR 1926.501 – Duty to have fall protection. Requires fall protection at 6 feet or more when plasterers apply exterior stucco from edges, balconies, or roofs without proper guardrails, and when moving between scaffold levels.
29 CFR 1926.1053 – Ladders. Governs portable ladder setup and use for plasterers (e.g., 4:1 angle, 3-foot extension above landing, no standing on top step) when doing small patching or access to scaffold platforms.
29 CFR 1926.1153 – Respirable Crystalline Silica (Construction). Requires a written exposure control plan, Table 1 controls (wet methods/shrouds), and respirators as needed when mixing sand/cement, cutting metal lath, or grinding stucco.
29 CFR 1926.95 – Criteria for Personal Protective Equipment. Requires employers to provide and ensure use of PPE such as eye/face protection for mixing plaster, gloves, and respirators when required by 1926.1153.
Florida Stop-Work Order Cases — Code 5102
The Florida Division of Workers' Compensation (DFS) actively enforces coverage requirements. Below are representative enforcement cases involving businesses classified under code 5102.
Miami-Dade County (2023): DFS issued a Stop-Work Order to a stucco contractor applying exterior stucco on a 3‑story condo in Doral with a 7‑person crew and no workers’ comp. Penalty assessed was $101,600 ($98,000 for 14 days at $1,000/day/employee + $3,600 for twice the estimated unpaid premium).
Orange County (2022): A plastering subcontractor at a Lake Nona townhouse project let its policy lapse and continued with a 5‑man crew on exterior scratch/brown coats. DFS calculated a $152,800 penalty ($150,000 for 30 uncovered days + $2,800 for twice the unpaid premium) and issued a Stop-Work Order on site.
Lee County (2024): DFS inspected a Cape Coral stucco repair job and found a 3‑person crew paid in cash and treated as 1099s with no valid WC. Penalty totaled $55,900 ($54,000 for 18 days + $1,900 for twice the avoided premium) and a Stop-Work Order halted the project until coverage was secured.
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 5102
Many standard insurance carriers restrict or decline coverage for businesses classified under code 5102. Understanding these declination triggers helps you find the right coverage path.
Exterior height and scaffold exposure typical of Code 5102 (multi‑story facades, balconies, pump‑jack setups) drive severe fall claims, so many admitted carriers either decline or require strict underwriting controls and surcharges.
Silica exposure from mixing sand/cement and grinding stucco (1926.1153) is hard for small stucco shops to manage; lack of a written exposure control plan and fit‑tested respirators leads carriers to decline.
Heavy reliance on 1099 crews and uninsured subs in plastering/stucco creates payroll volatility and audit risk; standard carriers avoid accounts without strong subcontractor COI controls and signed exemption documentation.
Loss history for 5102 often shows high frequency strains (shoulders, elbows, backs from troweling and hod carrying) plus occasional high‑severity scaffold falls; an elevated EMR or prior DFS enforcement commonly triggers declination or steep pricing.
Common Workers Comp Audit Mistakes for Code 5102
Year-end workers comp audits frequently result in unexpected additional premiums for businesses classified under code 5102. These are the most common audit mistakes to avoid.
Misclassifying exterior stucco crews under 5445 (Wallboard Installation) or 5474 (Painting) because they also do patch/paint—auditors will reclass those wages to 5102 and bill retro premium.
Not tracking or excluding uninsured 1099 plasterers and tenders; without valid Florida WC certificates/exemptions, auditors include those labor costs as 5102 payroll.
Failing to keep daily time records for workers who split between interior drywall finishing and exterior stucco—without verifiable timecards, auditors assign 100% of those wages to the highest-rated code (5102).
Omitting scaffold setup/tear‑down, material hoisting, and mixing time from 5102 payroll (or paying it in cash/per‑square); auditors add these hours back as 5102 remuneration, often with penalties for poor records.
Experience Mod (EMR) & PEO Advantage
Code 5102 losses are driven by frequent strains from troweling/hod carrying and less frequent but severe scaffold falls, so even one lost‑time fall can spike your EMR for three policy years. A PEO pools your payroll under a large master policy to smooth out that volatility and brings scaffold/silica safety resources and return‑to‑work support that reduce both claim frequency and severity, helping stabilize or lower your mod over time.
Frequently Asked Questions — Code 5102
What is the workers comp rate for class code 5102 in Florida?
The Florida NCCI rate for class code 5102 (Plastering or Stucco Work) is $4.78 per $100 of payroll. For a business with $150,000 in annual payroll, the estimated annual workers comp cost is $7,169.
Can I get same-day workers comp coverage for class code 5102?
Yes. Through Comp Ninjas's PEO program, most businesses classified under code 5102 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 5102 considered high-risk in Florida?
Code 5102 is classified as medium-risk based on its NCCI rate of $4.78 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 5102?
A traditional policy for code 5102 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 5102, the annual cost would be approximately $7,169.
How do I switch to a PEO program if I already have a workers comp policy for code 5102?
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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