Free Resource
Workers Comp Class CodeLookup Tool
Search over 657 workers' compensation class codes across 6 states. Find your industry classification, understand what it covers, and see current rates per $100 of payroll.
Browse by State
Workers Comp Rates by State
Select a state to browse all available class codes and current rates. Florida is our primary market, with the most comprehensive code coverage.
FL
Florida
Class Codes
344+
Avg Rate
$1.85
FWCJUA / NCCI • Effective 2025-01-01
MI
Michigan
Class Codes
68+
Avg Rate
$1.42
NCCI • Effective 2025-01-01
IL
Illinois
Class Codes
58+
Avg Rate
$1.30
NCCI • Effective 2025-01-01
TX
Texas
Class Codes
60+
Avg Rate
$1.55
TDI / NCCI • Effective 2025-07-01
SC
South Carolina
Class Codes
57+
Avg Rate
$1.62
NCCI • Effective 2025-01-01
NC
North Carolina
Class Codes
70+
Avg Rate
$1.48
NCRB • Effective 2026-04-01
What Are Class Codes?
Understanding Workers Comp Classification Codes
Workers' compensation class codes are 4-digit numbers assigned by NCCI (National Council on Compensation Insurance) to categorize the type of work performed by employees. Each code carries a specific rate per $100 of payroll, reflecting the relative risk of injury for that type of work.
Your workers' comp premium is calculated by multiplying your payroll by the applicable rate for each class code, then applying your experience modification factor (EMR) and any carrier adjustments.
Example: A roofing contractor in Florida (class code 5551) with $500,000 in payroll would pay approximately $33,750 in base premium (5551 rate of $6.75 × $500,000 / 100).
How Rates Are Set
Florida Workers Comp Rate Structure
Florida workers' compensation rates are filed by NCCI and approved by the Florida Office of Insurance Regulation (OIR). The FWCJUA (Florida Workers' Compensation Joint Underwriting Association) provides coverage for employers who cannot obtain coverage in the voluntary market.
Rates vary significantly by industry. Office workers (8810) may pay as little as $0.11 per $100 of payroll, while high-risk trades like iron/steel erection (5069) can exceed $15 per $100.
Your actual premium also depends on your claims history (experience modification), payroll size, and the specific carrier you work with. As an independent agency, Bright Coast shops multiple carriers to find you the best rate.
Rates shown are advisory loss costs or assigned risk rates. Your actual premium may differ based on your carrier, experience modification factor, and other underwriting factors. Contact Bright Coast Insurance for an accurate quote.
Found Your Class Code? Get a Quote.
Once you know your class code, we can get you a competitive workers' comp quote in minutes. We work with multiple carriers to find you the best rate.