Popular QuestionsPopular Questions about Florida Workers' Compensation Insurance

Who is covered under Florida workers' comp insurance?

Florida’s workers’ compensation law requires all non-construction employers who have four or more employees to purchase workers’ compensation insurance. Construction employers who have one or more employees must purchase workman’s comp coverage

Agricultural employers who have six regular employees and/or 12 seasonal employees who work more than 30 days during a season, but not more than a total of 45 days in a calendar year, must have workers’ compensation insurance in Florida.

Subcontractors are responsible for providing Florida workers’ compensation for their employees; however, the primary contractor must ensure that a subcontractor has provided the coverage for its workers. If a worker is injured and the subcontractor has not provided Florida workers’ compensation insurance, the contractor must pay the benefits. 

In Florida, sole proprietors and partners are excluded from coverage, but they can elect to be covered by their workman’s comp policy. Sole proprietors and partners in the construction industry must be covered. 

Corporate officers or members of an LLC are included in Florida workers’ compensation coverage, but they can apply for an exemption for themselves. Corporations or LLCs in the construction industry can have up to three officers opt out of coverage if each owns at least 10% of the business. 

  • Construction employers. One or more employees
  • All employers. Four or more employees
  • Agricultural employers.  Six regular employees or 12 seasonal employees
Where can you purchase Florida workers' comp insurance?

Florida workers’ compensation insurance can be purchased from an insurance agent who is licensed to sell workers’ compensation insurance in the state. Employers can self-insure with approval from the state. 

If you cannot obtain insurance through the standard workman’s comp market, coverage is available through the Florida Workers’ Compensation Joint Underwriting Association (FWCJUA). 

Employers can also join a commercial self-insurance fund where members pool their resources, spread their risk and self-insure as a group. 

What will workers' compensation insurance pay for in Florida?
  • Medical bills. Example: A waiter suffers severe burns and needs to be taken to the hospital.
  • Wage replacement. Example: An employee needs to miss three days of work to recover from a back injury that happened on the factory floor.
  • Death benefit. Example: A coal miner's family receives benefits after a work-related accident leads to a fatality.

Florida workers’ compensation insurance covers all accidental injuries and occupational diseases arising out of and in the course and scope of employment, including diseases or infections resulting from such injuries within specified periods of time. 

Wage replacement benefits may be reduced if an employee knowingly fails to observe a safety rule or chooses not to wear a safety appliance that the employer has directed the employee to use.

How is workers' compensation calculated in Florida?

Information Needed First

Classification Code: The National Council on Compensation Insurance (NCCI) assigns a risk classification code to every occupation. Each classification code represents employers with similar exposures. The codes are used to classify workers’ compensation rates, based on the loss experience of employers within each code. 

In the example below, you can see that masons in Florida use the classification code 5022.

EXAMPLE: Mason = 5022

Base Rate: Each classification code is assigned a specific dollar amount — or base rate — that is determined by how hazardous the occupation is for workers. The base rate is used to determine an individual employer’s full workers’ compensation premium. Base rates are revised each year. 

In the example below, we use the base rate of $15.10 for a mason in Florida. 

EXAMPLE: Mason = 15.10%

Calculation: BASE RATE % x (PAYROLL/100)

STEP 1: $100,000 Payroll / 100 = 1,000

STEP 2: 1,000 X $15.10 (base rate) = 15,100 

ESTIMATED WORKERS' COMP PREMIUM: $15,100.00

How do experience modifiers affect Florida workers' compensation rates?

After you establish a workers’ compensation claims history, experience rating makes a significant difference in what you pay over time. An experience modification factor, or experience mod, is an additional factor that may be applied to your workers’ compensation premium calculation. It increases or decreases your workers’ compensation premium for a given year. 

Your mod is a numerical representation of your actual losses compared with expected losses for your industry (plumbers are compared to plumbers, restaurant workers to restaurant workers, etc.).

  • Average mod: 1.0 = does not impact premium
  • Debit mod: Greater than 1.0 = premiums go up
  • Credit mod: Less than 1.0 = premiums go down

Employers will receive an experience modification factor when they have:

  • $10,000 in policy premium generated during the last year or last two years
  • $5,000 average policy premium generated for more than two years

If your workers’ compensation policy is experience-rated, your premiums are determined by: Base rate x Payroll x Mod

InformationFind Workers’ Compensation Insurance in Your City

How Does Your City Measure Up?

Jacksonville

Average workers’ compensation premium for popular Jacksonville businesses

  • Health care: $2,790
  • Construction: $19,400

The top three hazardous industries in Jacksonville

  • Health care
  • Construction
  • Air transportation

Jacksonville is home to numerous hazardous industries,. Healthcare workers are in close contact with sick and even dangerous patients every day. Construction workers use dangerous machines and tools and are also at risk for falls and other types of injuries. Air transport pilots and flight engineers may be involved in crashes that lead to serious injuries or fatalities. 

An independent Trusted Choice® insurance agent can help you find workers’ compensation insurance for your Jacksonville business. An agent who is licensed to sell workers’ compensation insurance in Florida can help you find the best coverage for your industry and can help you assess and implement safety and risk management programs that help to keep your workers’ compensation costs under control. 

Kissimmee

Average workers’ compensation premium for popular Kissimmee businesses

  • Accommodation and food services: $3,980
  • Construction: $19,400

The top three hazardous industries in Kissimmee

  • Health care
  • Construction
  • Waste management services

The industries listed above are common in Kissimmee, and all are considered to be hazardous for workers. Healthcare workers are in close contact with sick and even dangerous patients every day. Construction workers use dangerous machines and tools and are also at risk for falls and other types of injuries. Waste management workers use dangerous machinery and have an increased risk of traffic accidents. The best way to reduce the number of injuries and workers’ compensation claims for your business is to provide a safe workplace. 

Purchasing workers’ compensation is complicated for most employers, with many complex variables. If you would like to purchase workers’ compensation insurance for your Kissimmee business, contact an independent Trusted Choice agent who is licensed to sell workers’ compensation insurance in Florida. A local agent can help you find the best coverage for your industry and can help you assess and implement safety and risk management programs that help to keep your workers’ compensation costs under control. 

Naples

Average workers’ compensation premium for popular Naples businesses

  • Health care: $2,790
  • Construction: $19,400

The top three hazardous industries in Naples

  • Health care
  • Construction
  • Air transport services

Hazardous occupations are not as common in Naples as in other Florida cities, but workers in the above industries face greater risks than other types of workers. Healthcare workers risk contracting serious illnesses and have an increased risk of repetitive motion injuries and back strain. Construction workers may fall from heights, resulting in serious injury or even death, and they use dangerous machines and tools every day. Air transport workers can be injured while lifting heavy cargo and face an increased risk of injuries and fatalities due to airplane crashes. Employers can control workers’ compensation costs by emphasizing safety and providing clear and effective safety guidelines for every job. 

If you would like to learn more about Florida workers’ compensation laws and obtain coverage for your Naples business, contact an independent Trusted Choice insurance agent who is licensed to sell workers’ compensation insurance in Florida. An independent agent can help you find the best coverage for your industry and can help you assess and implement safety and risk management programs that help to keep your workers’ compensation costs under control.

Orlando

Average workers’ compensation premium for popular Orlando businesses

  • Health care: $2,790
  • Construction: $19,400

The top three hazardous industries in Orlando

  • Health care
  • Construction
  • Waste management services

Orlando is home to numerous industries, and the ones listed above are considered to be hazardous. Healthcare workers are in close contact with seriously ill patients and face an increased risk of a variety of illnesses and injuries. Construction workers face numerous dangers from equipment and tools and from working at heights and in other dangerous locations. Waste management workers are exposed to dangerous equipment and materials as well as traffic dangers. You can reduce work-related illnesses and injuries and keep workers’ compensation costs under control by making safety a top priority. 

Remember, this article offers only highly simplified examples and calculations of typical workers’ compensation premiums. If you want to purchase workers’ compensation for your Orlando business, enlist the help of a trusted adviser. To learn more about Florida’s workers’ compensation laws and obtain coverage, contact an experienced Trusted Choice independent insurance agent. Your agent can help you find the best coverage for your industry and can help you assess and implement safety and risk management programs that help to keep your workers’ compensation costs under control. 

Oviedo

Average workers’ compensation premium for popular Oviedo businesses

  • Health care: $2,790
  • Construction: $19,400

The top three hazardous industries in Oviedo

  • Healthcare
  • Construction
  • Waste management services

The industries above are the most hazardous in Oviedo. Employees who work in these industries are exposed to a variety of dangers, from contracting serious illnesses to working with dangerous machinery and materials. Injuries and even fatalities are more common in these high-risk industries. 

High-risk employers typically have higher workers’ compensation premiums than those in less-hazardous industries. Employers can reduce work-related illnesses and injuries and keep workers’ compensation costs under control by providing a safe workplace and making safety a top priority. 

Need workers’ compensation insurance in Oviedo? A Trusted Choice insurance agent can help you find the right carrier and coverage for your needs and can help you comply with state regulations. Your agent can also help you evaluate your risk management techniques and find new programs and solutions to keep your workers’ compensation insurance costs down over the long term.

Pembroke Pines

Average workers’ compensation premium for popular Pembroke Pines businesses

  • Health care: $2,790
    Construction: $19,400

The top three hazardous industries in Pembroke Pines

  • Health care
  • Construction
  • Transportation and couriers

Some of the most hazardous industries in Pembroke Pines are those listed above. Employees who work in these industries are exposed to a variety of dangers, from contracting serious illnesses to working with dangerous machinery and materials. Transportation workers can be injured or killed on the road. 

The best way to keep workers safe and to minimize workers’ compensation costs is to make safety a top priority in your workplace. Provide a clean and safe workplace for all employees, offer clear and specific safety instructions for all jobs, and get employees involved in all aspects of promoting safety at work. 

While the examples in this article are simplified, Florida workers’ compensation insurance is quite complex. A Trusted Choice agent can help you learn more about Florida’s workers’ compensation laws to make sure you purchase the right policy to protect your business and your employees. And an independent agent can help you get quotes from multiple insurance companies so you can be sure you are getting the best rates.

Sarasota

Average workers’ compensation premium for popular Sarasota businesses

  • Health care: $2,790
  • Accommodation and food services: $3,980

The top three hazardous industries in Sarasota

  • Health care
  • Construction
  • Transportation and couriers

The industries shown above are among the most hazardous in Sarasota. Employees who work in these industries are exposed to a variety of dangers, from contracting serious illnesses to working with dangerous machinery and materials. Workers involved in transportation face an increased risk of injuries and fatalities due to motor vehicle accidents and other traffic-related incidents. 

You can keep employees safe and minimize workers’ compensation costs by making safety a top priority in your workplace. A clean and safe workplace for all employees goes a long way toward reducing injuries and fatalities.

Employers in Sarasota can obtain quotes and learn more about Florida’s workers’ compensation requirements by working with an experienced, independent Trusted Choice agent. The examples provided here are highly simplified illustrations of very complex rules, regulations and pricing models. 

A local Trusted Choice agent can help you purchase a Florida workers’ compensation policy that protects your employees and your business from the costs of workplace injuries and illnesses.

Tallahassee

Average workers’ compensation premium for popular Tallahassee businesses

  • Accommodation and food services: $3,980
  • Health care: $2,790

The top three hazardous industries in Tallahassee

  • Construction
  • Waste management services
  • Health care

Tallahassee is home to several high-hazard industries, including those shown above. Employees in these industries are exposed to a variety of dangers every day, from serious illnesses and potentially dangerous patients to dangerous materials and equipment. Transportation workers may be involved in motor vehicle accidents and other traffic-related incidents that can cause injuries or fatalities. 

Employers in these and all other industries need to find ways to keep employee injuries and workers’ compensation costs under control. The best way to reduce the number of workers’ compensation claims for your business is to provide a safe workplace. 

Purchasing Florida workers’ compensation is complex and requires the help of a trusted adviser. We have provided only simplified examples and calculations in this article. 

To make sure you purchase the right policy for your Tallahassee business and your employees, seek help from a Trusted Choice member insurance agent who can help you learn more about Florida’s workers’ compensation laws. An independent agent can help you get quotes from multiple insurance companies so you can be sure you are making the right choice.