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Workers' Comp for Masonry Contractors in Fort Lauderdale, FL

2026 FL rates for masonry contractors in Broward County / South Florida.

Workers' Comp for Masonry Contractors in Fort Lauderdale

Workers' comp for masonry contractors in Fort Lauderdale means dealing with mid-to-high rate trade (Code 5022). Broward County / South Florida is one of Florida's most active markets for masonry work, and contractors here face back injuries from heavy material handling, silica dust exposure, and fall injuries.

Code Description 2026 FL Rate Example: $300k payroll
5022 Masonry: Block $5.22/100 $15,660/yr

Why Fort Lauderdale masonry contractors use pay-as-you-go

Broward County / South Florida has seen consistent growth in masonry work, driven by population growth, new development, and ongoing demand in Broward County. For masonry contractors operating in this market, the core workers' comp challenge is back injuries from heavy material handling, silica dust exposure, and fall injuries. These factors make it difficult to predict annual payroll accurately when a standard policy requires an upfront premium deposit calculated at the start of the year.

Pay-as-you-go PEO workers' comp solves this directly. Instead of a large down payment tied to an estimated annual payroll, premiums are calculated and charged each payroll cycle based on actual wages paid. For masonry contractors in Fort Lauderdale whose crew size fluctuates between projects or seasons, this means you never overpay upfront and never face a surprise year-end audit bill. Contractors with high experience modification factors — common in the masonry trade due to back injuries from heavy material handling, silica dust exposure, and fall injuries — are welcome, and the PEO's pooled experience rating buffers the impact of a rough claim year on your individual rate.

Frequently Asked Questions

Yes. Florida law requires workers' compensation coverage for any masonry contractor in Broward County with one or more employees. Construction trades — which include most masonry work — operate under the one-employee threshold statewide. Corporate officers may apply for exemptions (up to three per company), but field workers cannot be exempt. Given the risk profile of masonry work — specifically back injuries from heavy material handling, silica dust exposure, and fall injuries — operating without coverage also creates significant personal liability exposure for the business owner.
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In Fort Lauderdale and throughout Florida, masonry work is classified under Code 5022 (Masonry: Block). The 2026 filed rate is $5.22/100 of payroll. That rate applies to all employees whose primary duties fall under this classification. Florida workers' comp class codes are set by the National Council on Compensation Insurance (NCCI) and are uniform across the state — the rate is the same whether you operate in Broward County or anywhere else in Florida, though your experience modification factor and any carrier surcharges will affect your actual premium.
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Yes. Standard carriers in Broward County / South Florida often non-renew or surcharge policies when the experience modification factor exceeds 1.25 or 1.30, which puts many masonry contractors into the assigned risk pool with significantly higher rates. PEO workers' comp programs pool your payroll with a large group of employers, which means your individual experience mod has a much smaller impact on your rate. High-mod masonry contractors in Broward County regularly obtain PEO coverage at rates that are competitive with — or below — what they were paying before claims affected their mod.
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2026 FL Rates: Masonry Contractors

Code 5022 — Masonry: Block $5.22/100

Example: $300k payroll

Est. annual premium $15,660/yr
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2026 FL rates for masonry contractors in Broward County / South Florida. Pay-as-you-go — no audit, no down payment.

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