- Roofing: class code 5551 and fall exposure.
- HVAC, electrical and plumbing: field-service and installation details.
- Pool service and landscaping: maintenance versus construction or installation.
- Framing/concrete and tree service: height, equipment and severe-loss exposure.
- Final classification is determined from actual operations, not marketing labels.
“High-risk” describes loss potential, not a promise that a particular market will accept a submission. A useful quote file connects payroll, contracts, crew duties, safety controls and subcontractor certificates to the requested classification.
How to prepare for a quote review
- 1. Choose the closest guideRead the trade and city page that matches the crew’s work.
- 2. Gather recordsBring payroll, loss runs, certificates and a truthful operations breakdown.
- 3. Submit the factsRequest a review without guessing at a rate or hiding a hazardous operation.
Authority: Florida coverage obligations are published by the Division of Workers’ Compensation. See also our services and FAQ.
Roofing
NCCI 5551 and the details behind a roofing quote.
HVAC
Code 5537 for installation, service and repair.
Electrical
Building wiring, energized work and height exposure.
Plumbing
Code 5183, service work and excavation boundaries.
Pool Service
Maintenance code 9014 versus pool construction.
Landscaping
Installation code 0042 versus maintenance code 9102.
Framing & Concrete
Residential framing, carpentry and concrete scope.
Tree Service
Code 0106, climbing, rigging and storm work.
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Get My Free Quote ReviewPeople Also Ask
What is a high-risk workers comp class code?
“High-risk” class codes are trades with higher injury frequency or severity — like roofing (NCCI 5551) or tree removal — so they carry higher rates per $100 of payroll and fewer carriers will write them.
Why do carriers decline roofing and other high-risk trades?
Height, heavy equipment and injury history make some trades unprofitable for standard carriers, so they decline or non-renew them. Specialty markets still write these trades — which is where a targeted quote review helps.
Can high-risk contractors still get affordable workers comp?
Often yes — the key is correct classification, accurate payroll and matching your trade to carriers that specialize in it. A quote review is designed to find that fit instead of accepting the first high number.
Last updated: July 2026 · WorkCompTeam — Florida workers’ compensation lead generation. Not legal or insurance advice.