Florida NCCI Workers Comp Classification
FL NCCI Rate
$2.85
per $100 of payroll
Same-Day COI
Available
through PEO program
For code 5057, a worker earning $800/week costs just $22.84/week in workers comp through our PEO program.
FL NCCI Rate
$2.85/$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 5057 covers Iron or Steel Erection — Structural 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 5057 is $2.85 per $100 of payroll, placing it in the high-risk tier.
Covers ironworkers and steel erectors building structural steel frames for commercial buildings, bridges, and industrial facilities. This is one of the highest-risk construction trades — workers are elevated on steel beams with no floor beneath them. Very few standard carriers will write this code for small contractors.
Because code 5057 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 $22.45 per $100, an ironworker earning $1,100/week costs about $246.95/week in workers comp. For a 4-man steel crew, that's nearly $988/week. Traditional carriers require massive deposits and often refuse to write this code entirely for small contractors.
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 5057. This page uses the published rate of $2.855 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 5057
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 blast-furnace erection activity involving steel work at elevation, OSHA’s construction fall-protection resource identifies 29 CFR 1926.760 for steel-erection fall protection, as well as general fall-protection and training standards.
Source: Occupational Safety and Health Administration OSHA construction fall-protection standards
Source register last reviewed .
Code 5057 — Florida NCCI rates
Approximate historical trend; see the current FWCJUA rate table
Florida NCCI rates for code 5057 have decreased from $25.10 to $22.45 over the past 5 years — a positive trend for employers.
No deposit. No audit. Same-day COI.
Steel erection contractors are almost universally rejected by standard carriers or quoted rates 50-100% above manual. PEO is often the ONLY option for small steel contractors to get workers comp at all. Comp Ninjas specializes in hard-to-place codes like 5057 — we write coverage that other carriers won't touch.
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 3-man steel crew in Duval County is erecting the structural frame of a commercial warehouse. A connector falls 30 feet from an unguarded beam and suffers multiple fractures and a traumatic brain injury. The workers comp claim exceeds $800,000. This is the exact scenario that puts small steel contractors out of business without proper coverage.
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 5057, 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 1926.760 – Fall protection (Subpart R): Requires fall protection for ironworkers at 15 feet and above, with specific rules for connectors and controlled decking zones during steel erection.
OSHA 1926.753 – Hoisting and rigging (Subpart R): Sets requirements for qualified riggers, pre-lift inspections, use of tag lines, and keeping workers clear of loads during steel member picks.
OSHA 1926.754 – Structural steel assembly (Subpart R): Covers double connections at columns, installation of shear connectors, stability during bolting-up, and decking safety practices.
OSHA 1926.752 – Site layout, site-specific erection plan and construction sequence (Subpart R): Requires pre-planning, written notifications from the controlling contractor, and stable foundations and access routes before erection begins.
OSHA 1926.761 – Training (Subpart R): Requires training specific to steel erection tasks including connector/decker duties, fall protection systems, and hazards from hoisting, bolting, and decking operations.
These illustrative scenarios show how coverage gaps, employee classification, and penalty calculations can affect businesses under code 5057.
Miami-Dade County (2023): DFS found a structural steel erector setting primary frames at a Medley warehouse with six ironworkers and no workers’ comp. Investigators calculated 14 uninsured workdays, triggering $84,000 ($1,000/day per employee) plus an estimated twice-unpaid premium of $45,000, for a total penalty of about $129,000.
Hillsborough County (2022): A Tampa steel erection contractor decking a two-story distribution center was cited after a site visit showed ten ironworkers working without active coverage. DFS assessed $200,000 for 20 uninsured employee-days plus twice the estimated unpaid premium of $62,000, totaling roughly $262,000 and issued a Stop-Work Order on site.
Orange County (2024): An Orlando erector misclassified structural crews under ornamental iron to cut costs and paid several connectors as 1099s with no comp. DFS determined nine uninsured workdays for seven employees ($63,000) and twice the unpaid premium of $41,000, resulting in about $104,000 in penalties and an immediate Stop-Work Order at the I-4 warehouse project.
Illustrative examples only—not reported Florida DFS cases. Actual enforcement outcomes and penalty calculations depend on the facts, payroll, and duration of non-compliance.
Many standard insurance carriers restrict or decline coverage for businesses classified under code 5057. Understanding these declination triggers helps you find the right coverage path.
Multi-story structural work with connectors and deckers exposed above 30 feet; carriers see high-severity fall potential and decline or surcharge heavily for true 5057 operations.
Heavy crane and rigging dependence (critical picks, tandem lifts) without a documented qualified rigger/signalperson program and lift plans; underwriters view this as unacceptable loss potential.
New ventures or accounts with limited ironworker payroll history, EMR above 1.25, or prior OSHA fall/rigging citations specific to steel erection—common reasons for declination under 5057.
Reliance on uninsured 1099 ironworkers or labor brokers and frequent use of uninsured subs for welding/bolting-up; carriers won’t take the vicarious exposure under 5057 without tight subcontractor controls and COIs.
Year-end workers comp audits frequently result in unexpected additional premiums for businesses classified under code 5057. These are the most common audit mistakes to avoid.
Splitting field payroll between 5057 and ornamental steel (5040) or shop fabrication (3030); any employee who sets, connects, bolts-up, or decks structural members must stay in 5057 for all hours that day.
Excluding riggers, signal persons, and welders from 5057 and trying to place them in lower-rated classes (e.g., 5213/5403) even though they perform integral erection tasks on the steel crew.
Failing to capture uninsured subcontractor charges for decking, welding, or bolt-up crews; without valid COIs naming the insured and matching policy periods, those labor costs are added to 5057 at audit.
Improperly omitting taxable per-diem/allowances and travel/setup time for ironworker crews from payroll records, or paying cash/1099 to connectors without documentation—these amounts are picked up at audit under 5057.
For 5057, a single lost-time fall or struck-by claim can spike your EMR for three policy years because the severity of ironworker injuries is high and medical/indemnity costs run large. Consistent safety and fast return-to-work are critical; a PEO places you on a larger master policy, helping smooth volatility from one bad claim and providing ironworker-specific safety support and claim management to keep losses—and your mod—down.
The Florida NCCI rate for class code 5057 (Iron or Steel Erection — Structural) is $2.85 per $100 of payroll. For a business with $150,000 in annual payroll, the estimated annual workers comp cost is $4,283.
Yes. Through Comp Ninjas's PEO program, most businesses classified under code 5057 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 5057 is classified as high-risk based on its NCCI rate of $2.85 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 5057 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 5057, the annual cost would be approximately $4,283.
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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