FL Workers Comp Information

Find the latest news and information about Florida workers compensation insurance.

Workers compensation in Florida continues to stabilize as the cost of workers compensation has improved over the past few years. Just last year, NCCI recommended a rate reduction for 2016 of over 5% on average.

The largest threat to Florida insurance industry has come from some contractors who have utilized illegal employee leasing schemes and shell companies to get around the laws in Florida. The Florida Department of Workers Compensation has stepped up enforcement and continue to levy large fines or cease operations of those companies evading the proper system. Florida has one of the highest rates of insurance fraud in the U.S.

Give us a call at 888-611-7467 if we can provide any help with your workers comp coverage.

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About Workers Compensation in Florida

Workers Comp Regulation in Florida

Florida Department of Financial Services
200 E. Gaines Street
Tallahassee, FL 32399

The Florida Division of Workers’ Compensation is responsible for enforcing employer compliance with the coverage requirements of the workers’ compensation law. Compliance investigators have the authority to enter and inspect any place of business for purposes of ensuring employer compliance with workers’ compensation law. Investigators can also request an employer’s business records. An employer must produce the required business records within ten business days of receiving the Division’s written request for records.

Florida Rates on the Decline

As of November 2016 The Florida Office of Insurance Regulation has voted to lower Workers' Compensation Insurance Rates by 5.1%.

In January 2016, a report done by the Office of Insurance Regulation mentioned rates in Florida are down 60.3% since 2003. In 2003 Florida underwent a major overhaul of the Workers Comp System. In this same report the Office recommended the changes made in 2003 have probably impacted rates as much as they can and business owners should expect rates in the state to remain constant.

Florida Regulators Order Cut in Work Comp Rates.

Florida Farmers and Government Employees

Farmers in Florida are required to buy workers comp coverage if they have more than 5 regular employees and/or 12 or more other workers for seasonal labor for 30 days or more.

All state and local governments in the state of Florida are required by law to carry workers compensation for employees regardless of the number of employees.

Florida State Fund and JUA

There is not a state fund in Florida. However, Assigned Risk coverage in Florida is provided by the Florida Workers' Compensation Joint Underwriting Association (FWCJUA.) The JUA was created to provide workers' compensation insurance to employers who are unable to purchase coverage through the voluntary market.

Florida and NCCI

Florida is an NCCI state and the National Council on Compensation Insurance is headquartered in Boca Raton, Fl. NCCI advises the Florida State Rating Bureau on rate filing for class codes and also manages statistical data for the state. NCCI also determines and notifies employers regarding their experience modification rate on an annual basis.

Non-Compliance Violations in Florida

The Division of Workers' Compensation enforces employer compliance in Florida. Investigators conduct inspections and may issue a Stop-Work Order, ceasing all business operations if the employer lacks the required Florida workers' compensation coverage. The Division will assess a penalty equal to 2 times the amount the employer would have paid in manual premium within the preceding two year period.

A Stop-Work Order may also be issued if an employer understates or conceals payroll, misrepresents or conceals employee duties or otherwise attempts to avoid paying workers' compensation premiums. Such actions could also result in criminal charges and penalties.

First Report of Injury

As soon as you become aware of a work-related injury or illness, immediately contact your workers’ compensation insurance carrier. If you do not report the injury or illness to your insurance carrier within seven days of the date you were informed, you may be subject to an administrative fine not to exceed $2,000 per occurrence. Most insurance companies have a toll-free number to report work-related injuries. If you report the injury or illness to the insurance carrier by telephone, the carrier will complete the form and send a copy to you and the employee within three business days. You can also fill out the First Report of Injury or Illness form (DWC-1) and send it to the insurance carrier.

More Programs and Options

We're always working with our insurance carriers to develop specialized programs for a broad range of industry class codes. Our Target Programs are designed to streamline the underwriting process and help ensure we offer the lowest rates available anywhere.

  • Contractors
  • Home Healthcare
  • Janitorial Services
  • Transportation
  • Hospitality
  • And More
Florida Licensing Information

Florida requires that workers compensation insurance be purchased from licensed insurance agents authorized to sell insurance in the state. Workers Compensation Shop.com is licensed in the State of Florida, with access to more workers compensation companies than most other state and regional agencies.

Let Workers Compensation Shop.com help your business navigate workers comp insurance in Florida.


We take the time to make sure your business and employees are classified correctly and then we get to work finding the lowest rates available for your insurance coverage.
  • National workers comp Specialists
  • Licensed throughout the United States
  • Programs for standard and tough class codes
Once we've got your best quotes back from our carriers, we take the time to help you understand your options and the next steps to get covered quickly.
  • Pay As You Go insurance coverage
  • Easy billing and installment plans
  • We've helped over 35,000 business owners
Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

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