# Bright Coast Insurance

**Florida-Licensed Independent Insurance Agency** | Florida License #L132181  
Phone: (239) 323-0785 | Email: support@brightcoastins.com  
Address: PO Box 417, Pineland, FL 33945  
Website: https://brightcoastins.com  
Google Business Profile: https://www.google.com/maps/search/?api=1&query=Bright+Coast+Insurance&query_place_id=ChIJ2bHi4scRv4gRzuxlEjQ0a84

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# Workers' Comp Class Code 5551 — Roofing - All Kinds & Drivers (FL)

**Class Code:** 5551  
**Description:** Roofing - All Kinds & Drivers  
**State:** FL  
**Rate:** $6.75 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 5551?

Class code 5551 covers roofing contractors and their employees who install, repair, or replace roofs of all types including asphalt shingles, tile, metal roofing, flat roofing (TPO, EPDM, modified bitumen), and built-up roofing. Roofing is one of the most hazardous construction trades in the United States, with fall fatalities consistently ranking among the highest of any construction classification. In Florida, roofing contractors are in constant demand due to hurricane damage, the aging housing stock, and new construction. Workers face extreme fall risks from roof edges and skylights, heat stress from working on hot roof surfaces, and burns from hot asphalt and torches.

## Who Does Class Code 5551 Apply To?

Roofers, roofing laborers, roofing supervisors, and drivers who transport roofing materials.

## Florida Examples — Class Code 5551

A residential roofing company in Jacksonville replacing shingle roofs on single-family homes. A commercial roofing contractor in Orlando installing TPO flat roofs on large retail centers and warehouses.

## How to Calculate Workers' Comp Premium for Class Code 5551

**Formula:** (Annual Payroll ÷ 100) × $6.75 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $5400 | $6750 | $8100 |
| $250,000 | $13500 | $16875 | $20250 |
| $500,000 | $27000 | $33750 | $40500 |
| $1,000,000 | $54000 | $67500 | $81000 |

## Tips for Managing Class Code 5551 Workers' Comp Costs

- Fall protection is the single most important safety measure for roofing — 100% fall protection is required
- Heat illness prevention programs are critical for Florida roofers working on hot roof surfaces
- Maintain a strong safety program to reduce your experience modification factor (EMR)
- Separate clerical employees under code 8810 to reduce overall premium
- Ensure all subcontractors carry their own workers comp to avoid additional premium at audit
- Consider a pay-as-you-go policy to improve cash flow and avoid large audit bills

## Safety Recommendations for Class Code 5551

- Implement comprehensive fall protection plans, including guardrails, safety nets, and personal fall arrest systems.
- Provide heat stress prevention training, hydration, and shaded rest breaks.
- Ensure proper use of nail guns, including training and appropriate PPE.
- Train workers on safe handling of hot tar and other roofing materials.

## Get a Quote for Class Code 5551

Contact Bright Coast Insurance for a workers' comp quote for class code 5551 in FL:

- **Phone:** (239) 323-0785
- **Email:** support@brightcoastins.com
- **Online:** [Workers' Comp Calculator](https://brightcoastins.com/comp-calculator)
- **Class Code Lookup:** [https://brightcoastins.com/workers-comp-codes/fl](https://brightcoastins.com/workers-comp-codes/fl)



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## About Bright Coast Insurance

Bright Coast Insurance is a Florida-licensed independent insurance agency (Florida License #L132181) specializing in commercial insurance for Florida contractors, builders, property owners, and HOA/condo associations. As an independent agency, we represent multiple carriers including US Assure (builders risk), Employers Holdings, AmTrust Financial, and others — allowing us to find the best coverage at the most competitive rate for each client.

**Contact:** (239) 323-0785 | support@brightcoastins.com  
**Address:** PO Box 417, Pineland, FL 33945  
**Website:** https://brightcoastins.com  
**Hours:** Monday–Friday, 9 AM–5 PM ET

*Bright Coast Insurance is an authorized FWCJUA placement agency and an authorized US Assure builders risk agency.*