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Florida Workers Comp Rates

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Florida Workers Comp Rates

Florida workers' compensation rates stable in 2016.

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 around 2% below those of the median state. This is a slight decline from the prior study done in 2012, when Florida ranked 29th.

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 1/1/16. Florida rates are set by the state Department of Insurance. Insurance companies may be able to offer discounts and credits to policies. We offer Pay As You Go coverage in Florida.

Class Code

Low Rate High Rate

0042 Landscaping

$8.58 $8.58

3632 Machine Shop

$4.75 $4.75

3821 Salvage Yard

$9.08 $9.08

5022 Masonry

$13.18 $13.18

5183 Plumbing

$5.11 $5.11

5190 Electrical

$5.25 $5.25

5221 Concrete Construction

$7.02 $7.02

5437 Carpentry/Trim

$8.92 $8.92

5474 Painting

$11.02 $11.02

5478 Flooring

$5.13 $5.13

5645 Carpentry Noc Res Construction

$16.92 $16.92

8006 Gas Station

$3.30 $3.30

8017 Retail Store

$2.00 $2.00

8380 Auto Shop

$3.57 $3.57

8742 Outside Sales

$0.45 $0.45

8810 Clerical

$0.23 $0.23

8832 Doctor's Office

$0.42 $0.42

8835 Home Health Care

$2.44 $2.44

9012 Building Operations by Owner

$1.59 $1.59

9014 Janitorial

$4.77 $4.77

9015 Building Operations by Contractor

$4.83 $4.83

9082 Resturaunt

$2.22 $2.22

9083 Restaurant Fast Food

$2.27 $2.27

9102 Lawn Care

$4.50 $4.50

Florida workers comp rates vary by industry classification codes and insurance company underwriting standards. Employers' who have an Experience Modification Factor 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 Rate Reduction

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, but it was disapproved by the Department of Financial Services.

NCCI files on behalf of the approximately 250 insurance companies which insure Florida business owners. Instead of the 3.3% rate decrease, employers are expected to receive an average decrease of 5.2% in the overall insurance rates for Florida.

Florida workers’ compensation rates are analyzed each year by the National Council on Compensation Insurance. NCCI not only creates the workers comp class codes used in Florida, but they also manage claims data for each group of employees for those class codes and recommends the rates to the Florida Office of Insurance Regulation. The rates are then accepted or rejected by the state based on profits/losses and expected trends for each insurance carrier in the state.

Florida Rates May Increase More than 15% in 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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No Money Down Workmans Comp Workers Comp Payments
$0 Money Down Better Payment Options

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
Workers Compensation Agents We've Got Florida Covered.

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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