Workers Comp Class Code 5507 — Street or Road Construction NOC
Florida NCCI Workers Comp Classification
FL NCCI Rate
$3.29
per $100 of payroll
Same-Day COI
Available
through PEO program
For code 5507, a worker earning $800/week costs just $26.29/week in workers comp through our PEO program.
FL NCCI Rate
$3.29/$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 5507?
NCCI class code 5507 covers Street or Road Construction NOC 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 5507 is $3.29 per $100 of payroll, placing it in the high-risk tier.
Covers general road and street construction contractors not otherwise classified. Includes grading, drainage, and general civil construction work on Florida roads.
Because code 5507 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 5507
5-Year Rate Trend
Code 5507 — Florida NCCI rates
Source: Florida NCCI rate filings 2020–2024
Florida NCCI rates for code 5507 have decreased from $10.10 to $9.20 over the past 5 years — a positive trend for employers.
Why PEO Makes Sense for Code 5507
No deposit. No audit. Same-day COI.
Road construction contractors need COI for FDOT and municipal contracts. PEO provides same-day certificates and competitive rates for this high-risk classification.
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 road construction equipment operator in Orlando was injured when his motor grader rolled over on an embankment. Workers comp covered $185,000 in orthopedic surgery and rehabilitation.
Common Job Titles Under Code 5507
Top Workers Comp Risks for Code 5507
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 5507
Florida Statute Chapter 440 governs workers' compensation requirements. For construction employers classified under code 5507, 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 5507
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 1926.200(g)(2)
Signs, Signals, and Barricades: requires roadway work zones (signing, cones, channelizing devices, and flaggers) to conform to the MUTCD, including proper advance warning and taper lengths for street/road construction.
OSHA 1926.601(b)(4)
Motor Vehicles: dump trucks and other on-road vehicles with an obstructed rear view must have a reverse signal alarm or a spotter, critical for earthmoving and haul operations on active road projects.
OSHA 1926.602(a)
Material Handling Equipment: governs safe operation and required protective features (seat belts/ROPS) for scrapers, graders, loaders, rollers, and similar equipment used in grading and subbase work.
OSHA 1926.651 and 1926.652
Excavations: requires locating underground utilities, protective systems (sloping, shoring, or shielding) and safe egress within 25 feet for trenches over 4 feet; and cave-in protection for trenches 5 feet or deeper used for culverts and stormwater tie-ins.
OSHA 1926.1153
Respirable Crystalline Silica (Construction): mandates controls, exposure assessment, and respiratory protection when cutting/drilling concrete or asphalt (e.g., saw-cutting for curb lines, catch basin tie-ins).
Florida Stop-Work Order Cases — Code 5507
The Florida Division of Workers' Compensation (DFS) actively enforces coverage requirements. Below are representative enforcement cases involving businesses classified under code 5507.
Hillsborough County (2022): DFS inspectors observed a night shoulder reconstruction and grading crew on US-301 with eight laborers/flaggers and no active Florida workers’ comp policy. Payroll records showed roughly $450,000 in uncovered 5507 payroll over 18 months. Penalty assessed: $29,574 (twice the unpaid premium at $3.286 rate) plus $24,000 ($1,000/day per employee for three observed days) = $53,574.
Miami-Dade County (2023): A road-widening contractor in Hialeah installing culverts and grading subbase used ten “1099” laborers without coverage. DFS calculated $1,200,000 of uncovered 5507 payroll in the prior two years. Penalty: $78,864 (twice unpaid premium) + $40,000 ($1,000/day per employee over four days) = $118,864.
Polk County (2021): DFS issued a stop-work order to a contractor performing right-of-way clearing and base prep near Lakeland who relied on an out-of-state policy not valid for Florida employees. Six workers were active over two inspection days; uncovered payroll estimated at $300,000. Penalty: $19,716 (twice unpaid premium) + $12,000 ($1,000/day per employee) = $31,716.
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 5507
Many standard insurance carriers restrict or decline coverage for businesses classified under code 5507. Understanding these declination triggers helps you find the right coverage path.
Live-traffic exposure during lane shifts and flagging on public roads creates severe struck-by losses that employers can’t fully control; many admitted carriers either decline 5507 or surcharge heavily for this exposure.
Depth and frequency of excavation for stormwater and culvert work (often >5 feet) without a documented trench safety program and competent person per 1926.651/652 leads carriers to decline due to cave-in severity potential.
Heavy reliance on uninsured or 1099 subs for grading and traffic control; inability to consistently collect valid Florida workers’ comp certificates means payroll is likely to be picked up at audit, increasing loss volatility.
New ventures in 5507 with no prior WC history, no formal MUTCD-compliant traffic control plan, and mobile crews operating scrapers/loaders across multiple sites are often declined due to high manual risk and poor predictability of losses.
Common Workers Comp Audit Mistakes for Code 5507
Year-end workers comp audits frequently result in unexpected additional premiums for businesses classified under code 5507. These are the most common audit mistakes to avoid.
Failing to split payroll between paving/surfacing crews (5506) and grading/drainage/right-of-way crews (5507) with contemporaneous time records—auditors then assign all wages to the highest-rated code used.
Treating traffic control flaggers, project foremen, or field engineers as 8810 clerical or 5606 executive supervisors; because they enter the work zone, their payroll belongs in 5507.
Using 6217 (Excavation & Grading) for work performed in public street/road projects; DOT/municipal roadway grading and culvert work is 5507 and will be moved there at audit.
Not tracking per diem/travel pay and overtime premium correctly for road crews running long shifts; unsubstantiated per diems get included as payroll and overtime premium credits are missed, inflating audited remuneration.
Experience Mod (EMR) & PEO Advantage
EMR for 5507 is driven by both frequency (soft-tissue strains from handwork, slips around heavy equipment) and severity (struck-by equipment or trench incidents), so even a couple of lost-time claims can push the mod well above 1.00 and raise your costs for three policy years. A PEO places you on a large master policy where your individual mod typically doesn’t apply to the rating of that policy, smoothing out the impact of a bad year while providing trench/traffic-control safety support and return-to-work programs to keep future losses—and your eventual standalone mod—down.
Frequently Asked Questions — Code 5507
What is the workers comp rate for class code 5507 in Florida?
The Florida NCCI rate for class code 5507 (Street or Road Construction NOC) is $3.29 per $100 of payroll. For a business with $150,000 in annual payroll, the estimated annual workers comp cost is $4,929.
Can I get same-day workers comp coverage for class code 5507?
Yes. Through Comp Ninjas's PEO program, most businesses classified under code 5507 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 5507 considered high-risk in Florida?
Code 5507 is classified as high-risk based on its NCCI rate of $3.29 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 5507?
A traditional policy for code 5507 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 5507, the annual cost would be approximately $4,929.
How do I switch to a PEO program if I already have a workers comp policy for code 5507?
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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