Workers Comp Class Code 5348 — Tile, Stone, Mosaic or Terrazzo Work
Florida NCCI Workers Comp Classification
FL NCCI Rate
$2.67
per $100 of payroll
Same-Day COI
Available
through PEO program
For code 5348, a worker earning $800/week costs just $21.37/week in workers comp through our PEO program.
FL NCCI Rate
$2.67/$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 5348?
NCCI class code 5348 covers Tile, Stone, Mosaic or Terrazzo 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 5348 is $2.67 per $100 of payroll, placing it in the medium-risk tier.
Covers tile and stone contractors who install ceramic tile, natural stone, and terrazzo flooring and wall coverings. Florida luxury residential and hospitality markets drive strong demand.
Because code 5348 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 5348
5-Year Rate Trend
Code 5348 — Florida NCCI rates
Source: Florida NCCI rate filings 2020–2024
Florida NCCI rates for code 5348 have decreased from $6.80 to $6.20 over the past 5 years — a positive trend for employers.
Why PEO Makes Sense for Code 5348
No deposit. No audit. Same-day COI.
Tile and stone contractors often work as subcontractors on luxury projects requiring specific insurance documentation. PEO provides same-day COI and flexible coverage.
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 tile setter in Naples developed silicosis after years of cutting natural stone tiles without respiratory protection. Workers comp covered $145,000 in occupational disease treatment.
Common Job Titles Under Code 5348
Top Workers Comp Risks for Code 5348
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 5348
Florida Statute Chapter 440 governs workers' compensation requirements. For construction employers classified under code 5348, 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 5348
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 1926.1153
Respirable Crystalline Silica (Construction): Requires a written exposure control plan, use of wet cutting or shrouded/vacuum systems for tile and stone cutting/grinding, restricted housekeeping (no dry sweeping), and medical surveillance when exposures exceed the action level. This is critical for stone, porcelain, and terrazzo grinding where dust is generated.
OSHA 1926.1053
Ladders: Sets rules for selecting, inspecting, and using portable ladders when setting wall tile or stone (proper angle, secure footing, no standing on top step, maintaining three points of contact).
OSHA 1926.451
Scaffolds: Governs baker/pole scaffolds commonly used for wall tile at height—requires proper planking, guardrails, access, load capacity, and caster wheel locks on mobile units.
OSHA 1926.404(b)(1)
Ground-Fault Protection: Requires GFCI protection or an assured equipment grounding conductor program for 120-volt temporary power on construction sites—directly applicable to electric wet saws and grinders used around water and slurry.
OSHA 1910.1200
Hazard Communication: Requires SDS access, labeling, and employee training for thinset, grout, epoxies used in terrazzo, and Portland cement/silica-containing products used by tile and stone crews.
Florida Stop-Work Order Cases — Code 5348
The Florida Division of Workers' Compensation (DFS) actively enforces coverage requirements. Below are representative enforcement cases involving businesses classified under code 5348.
Miami-Dade County (2023): DFS investigators visited a Brickell condo renovation where a tile/stone contractor had six installers cutting porcelain with wet saws and no workers’ comp. Penalty was $90,000 for 15 workdays ($1,000/day/employee) plus twice the estimated unpaid premium; with about $420,000 uncovered payroll under 5348, unpaid premium was ~ $11,218, so the total assessment was approximately $112,436.
Orange County (2022): A terrazzo crew of four was grinding and polishing a hotel lobby near International Drive without coverage for 12 days. DFS issued a stop-work order and assessed $48,000 for days worked, plus twice the unpaid premium—based on roughly $180,000 in uncovered 5348 payroll (premium ≈ $4,808), the total penalty came to about $57,616.
Lee County (2024): A small tile contractor in Cape Coral was setting large-format tile in new residential builds with three helpers and no active policy for 28 days. DFS calculated $84,000 in daily penalties and added twice the unpaid premium; with an estimated $96,000 uncovered payroll under 5348 (premium ≈ $2,563), the total assessment was approximately $89,126.
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 5348
Many standard insurance carriers restrict or decline coverage for businesses classified under code 5348. Understanding these declination triggers helps you find the right coverage path.
Uncontrolled silica exposure from dry cutting/grinding stone and porcelain and lack of a written 1926.1153 silica plan—underwriters see high respiratory and citation risk specific to 5348 operations.
Wall tile and stone veneer work at height using ladders/scaffolds; many admitted markets only consider floor-only tile, so any scope above 6–10 feet or scaffold use triggers declination or surcharges.
Heavy terrazzo grinding/polishing with wet slurry increases slip-and-fall and electrical shock exposures around cords and wet equipment, producing higher frequency losses in this class.
Widespread use of 1099 subcrews paid by the square foot without valid comp certificates; carriers anticipate large audit pickups and uninsured subcontractor exposure and will decline or price prohibitively for 5348.
Common Workers Comp Audit Mistakes for Code 5348
Year-end workers comp audits frequently result in unexpected additional premiums for businesses classified under code 5348. These are the most common audit mistakes to avoid.
Class hopping between 5348 and 5478 (Floor Covering—Installation NOC) for the same installers when they switch between tile/stone and LVP/carpet; without strict, contemporaneous time records separating hours by job and no interchange, auditors assign the whole period to 5348.
Paying tile setters and helpers as 1099 subs and failing to collect valid workers’ comp certificates; at audit, that labor cost is pulled into 5348 payroll, often with a sizable additional premium.
Not backing out the overtime premium portion in payroll reports for piece-rate or hourly tile crews; auditors include the full OT if it’s not separately tracked, inflating 5348 remuneration.
Treating terrazzo finishers doing on-site grinding/polishing as janitorial/maintenance or shop employees; auditors reclassify those hours to 5348 because the work is part of terrazzo installation/finishing and occurs at the jobsite.
Experience Mod (EMR) & PEO Advantage
For 5348 tile/stone/terrazzo crews, mods are driven by frequent knee and shoulder claims from kneeling and lifting, plus lacerations from wet saws and grinder injuries; a few lost-time knee surgeries can spike severity, but the frequent minor claims really push the EMR up. A PEO experienced with 5348 can dampen that impact by implementing silica-compliant wet methods, knee protection and job rotation, strict ladder/scaffold rules, and fast return‑to‑work—reducing both claim frequency and duration so the mod trends back below 1.00. Being part of a large master policy also brings stronger claims management and safety resources that many small shops can’t afford on their own.
Frequently Asked Questions — Code 5348
What is the workers comp rate for class code 5348 in Florida?
The Florida NCCI rate for class code 5348 (Tile, Stone, Mosaic or Terrazzo Work) is $2.67 per $100 of payroll. For a business with $150,000 in annual payroll, the estimated annual workers comp cost is $4,006.
Can I get same-day workers comp coverage for class code 5348?
Yes. Through Comp Ninjas's PEO program, most businesses classified under code 5348 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 5348 considered high-risk in Florida?
Code 5348 is classified as medium-risk based on its NCCI rate of $2.67 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 5348?
A traditional policy for code 5348 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 5348, the annual cost would be approximately $4,006.
How do I switch to a PEO program if I already have a workers comp policy for code 5348?
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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