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Florida Workers Comp Rates

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Florida Workers Comp Rates

Florida workers' compensation rates may increase in 2019.

According to a recent study conducted by the OR Department of Consumer Business and Services, Florida ranked 28th in the average cost for state workers comp premium rates. Florida rates are approximately 2% below those of the median state. This is a slight decline from the prior study done in 2016, when Florida ranked 29th. See updates on Florida rates below:

Florida rates are established and approved annually by the Florida Department of Workers Compensation. Rates are based on recommendations from NCCI. All carriers are required to charge the same manual rates for coverage in Florida, making it the only non-monopolistic state that requires set rates for insurance companies. Therefore, the only additional components of pricing Florida workers compensation policies include experience modifiers, drug credits, safety credits, and carrier discounts.

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FL Rates for Select Work Comp Class Codes Workers Compensation Icon.

The workers' compensation rates listed below for Florida represent the current insurance rates effective 1/1/2019. Florida rates are set by the state Department of Insurance. Insurance companies may be able to offer discounts, dividends and credits to policy holders. We offer Pay As You Go work comp coverage in Florida to help improve cash flow.

Class Code

Low Rate High Rate

0035 Farm- Planting and Harvesting- Cannabis Growers

$3.51 $3.51

0042 Landscaping Service

$8.32 $8.32

0106 Tree Trimming- Pruning- Removal

$11.54 $11.54

0917 Residential Cleaning Service- Housekeepers

$6.50 $6.50

2121 Breweries- Craft Beers

$1.41 $1.41

2585 Carpet Cleaning

$4.14 $4.40

2589 Dry Cleaning and Laundry Service

$2.87 $2.87

3632 Machine Shop

$4.06 $4.06

3724 Garage Door Installation

$3.55 $3.55

3821 Salvage Yard- Automobile Recycling

$7.57 $7.57

5022 Masonry Construction

$10.52 $10.52

5102 Door and Window Installers

$7.99 $7.99

5183 Plumbing Contractors

$4.39 $4.39

5190 Electrical Work- Electrician

$4.80 $4.80

5221 Concrete Work- Flat Work Cement

$7.18 $7.18

5223 Pool Installation- Pool Maintenance

$6.03 $6.03

5348 Ceramic, Tile and Stone Work

$4.63 $4.63

5437 Ceramic, Tile and Stone Work

$7.83 $7.83

5445 Drywall Contractors

$7.63 $7.63

5474 Painting Contractor

$9.13 $9.13

5478 Floor Installers- Wood-Carpet-Laminate

$4.79 $4.79

5535 Metal Building Construction

$9.39 $9.39

5537 HVAC- Heating and Cooling Service/Repair

$6.00 $6.00

5537* Solar Energy Contractors- Installation

$6.00 $6.00

5551 Roofing Contractors

$16.98 $16.98

5606 Asphalt & Paving Work

$1.47 $1.47

5645 Residential Construction- Home Builders- Remodelers- Siding

$16.59 $16.59

6217 Excavation and Grading Work

$6.58 $6.58

6400 Fence Installation & Repair

$8.01 $8.01

7219 Trucking- Short Haul and Long Haul

$6.89 $6.89

7219* Towing Company

$6.89 $6.89

7230 Package and Parcel Delivery

$11.77 $11.77

7370 Non-Emergency Medical Transportation- Taxi- Limousine- Airport Shuttle

$5.05 $5.05

7605 Alarm Installation and Repair

$2.70 $2.70

7720 Security Guards- Patrol Officers

$3.83 $3.83

8006 Gas Stations- Convenient Stores

$2.37 $2.37

8017 Retail Stores- Merchandise- Cannabis Dispensary

$1.70 $1.70

8292 Warehousing and Storage Facility

$4.68 $4.68

8380 Auto Service and Repair- Mechanic

$3.02 $3.02

8393 Auto Body Repair

$2.01 $2.01

8742 Sales Professional

$0.38 $0.38

8810 Clerical- Office Employee

$0.18 $0.18

8824 Retirement Living Centers- Congregate Communities

$3.74 $3.74

8829 Nursing Homes and Assisted Living Facilities

$2.27 $2.27

8831 Animal Shelters and Kennels- Veterinarian

$1.91 $1.91

8832 Medical Office- Doctor- Dentist- Chiropractor, Optometrist

$0.38 $0.38

8835 Home Healthcare Workers

$2.15 $2.15

8842 Group Homes- Temporary Shelters- Disability Facility

$2.62 $2.62

8864 Social Service Organizations- Counseling- Family Services

$1.61 $1.61

8868 Religious Organization- Church- Temple

$0.45 $0.45

8869 Child Care Center- Daycare Providers

$1.51 $1.51

9012 Property Management- Leasing Agent

$1.00 $1.08

9014 Janitorial Service Contractors- Pest Control- Exterminating- Chimney

$4.14 $4.14

9015 Building Maintenance- Campgrounds- Camps- RV Parks

$4.09 $4.09

9052 Hotels and Motels

$2.98 $2.98

9060 Golf Courses and Country Clubs

$2.11 $2.11

9063 Fitness Center- Health Clubs- YMCA Programs

$1.18 $1.18

9082 Restaurants- Catering

$1.94 $1.94

9083 Mobile Food Truck- Food Cart-

$1.87 $1.87

9083* Fast Food Restaurant- Concessions- Doughnut Shop

$1.87 $1.87

9084 Bars-Taverns-Nightclubs

$2.10 $2.10

9102 Lawn Service and Maintenance

$4.21 $4.21

9180 Shooting Range- Amusement Park

$3.94 $3.94

9402 Septic Tank Cleaning- Portable Toilets

$8.21 $8.21

9403 Refuse Collection- Garbage- Trash Service

$7.57 $7.57

9516 Electrical Equipment Repair and Service

$3.34 $3.34

Florida workers comp rates vary by industry classification codes and insurance company underwriting standards. Employers' who have an Experience Modification Factor (X-Mod) assigned to their business may have additional credits or debits applied to their insurance rates based on prior premium and workers compensation losses.

Florida 2016 Rates Set to Explode

Posted September 2016

Florida utilizes the NCCI (National Council on Compensation Insurance) as the states Rating Bureau since NCCI is located in Boca Raton, Florida. Every year NCCI makes recommendations to the state Insurance Commissioner for the next years state rates. In fact, NCCI recommended a 3.3% decrease for 2016 earlier this year, but it was disapproved by the Department of Financial Services. Now rates may increase significantly in Florida.

We are currently waiting on the Florida Office of Insurance Regulation to make a decision on a recommended 19.6% rate increase in workers compensation rates. The National Council of Compensation Insurance (NCCI) has proposed that the dramatic increase should take effect on October 1, 2016. The recommended change is a result of two major court rulings: One in April where the FL Supreme Court ruled the mandatory attorney fee schedule for workers compensation was unconstitutional, and a second state Supreme Court ruling in June that ruled the 104-week statutory limitation on temporary total disability benefits was unconstitutional. NCCI expects the attorney fee ruling to result in a 15% increase in workers compensation expenses, while the temporary disability limitation has created a projected 2.2% increase. The NCCI is also requesting a 1.8% rate increase related to health care provider reimbursement rulings.

Although the change is proposed for 10/1/16, it appears that the actual effective date will be moved back if the Office of Insurance Regulation approves the change. It is important to note that the Office of Insurance Regulation could also approve a smaller rate increase than proposed.

Florida Rates May Increase More than 15% in 2016

Posted April 2016

An amended rate filing by NCCI later this year is expected to increase Florida workers' compensation rates by more than 15% on August 1, 2016. A recent (June 2016) Florida supreme court ruling struck down limits on attorney's fees with regard to workers comp litigation and civil cases. The ruling overturned a prior law preventing attorneys from challenging fees. Florida attorneys have argued that adequate fees are needed in order to ensure injured workers can find adequate representation within the workers' compensation system.

State Resources for Florida

Rating Bureau: NCCI

901 Peninsula Corporate Circle
Boca Raton, FL 33487-1362

Florida Department of Financial Services

200 E. Gaines Street
Tallahassee, FL 32399

Florida Division of Workers' Compensation

2012 Capitol Circle
SE Hartman Building
Tallahassee, Florida 32399-0680
FL Division of Workers Compensation

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Florida is under the Jurisdiction of the National Council for Compensation Insurance (NCCI) and utilizes the Florida JUA (Joint Underwriting Association) to place Assigned Risk polices within the State Fund.

FWCJUA rates are considerably higher than rates on the private market. Our agency does not place business with the JUA because we are focused on finding lower cost coverage for Florida business owners.

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We're a national leader in Pay As You Go Workers Compensation. We've developed low price programs to help reduce or eliminate down payments and allow employers to report and pay premium based on their actual wages.

We've negotiated the best deals with many of our insurance companies in order to offer more flexible payment options like 12 equal installment plans and monthly reporting to help improve cash flow for business owners.

Workers Compensation Class Codes
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Tough Class Codes Faster Insurance Quotes

We offer an affordable quote for some of the toughest NCCI class codes and higher experience modifiers because we've partnered with national carriers who specialize in high hazard industries.

Our carriers and underwriters understand that we need to turn wc quotes quickly so our customers can buy coverage when they need it. We often turn quotes in less than 24 hours.

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Learn more about workers compensation insurance in Florida Work Comp:   Florida | FL Programs| FL Rates | FL Forms | FL Info | FL Quotes
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Give us a shot at your Florida workers comp quote. Whether your business is located Miami, Orlando, Tampa, or Jacksonville, chances are we've got great rates and affordable work comp programs for your next insurance policy.

Give one of our Florida workers compensation Specialists a call today at 888-611-7467 to see if your business qualifies for lower workers compensation insurance rates. Or start your next quote here online.

Florida Agency License: LO56102
National Producer Number: 5064979

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