Florida Workers' Compensation Cost Calculator
Key facts: workers' comp in Florida
- Who must be covered
- Mandatory from 1 employee in construction, 4 employees elsewhereOfficial agency: DWC
- Average rate
- $1.00 per $100 of payrollRank #30 of 51 (#1 = most expensive), below the $1.09 national median
- Rating organization
- NCCINational Council on Compensation Insurance · Private insurers
- Verified from official records
- October 3, 2026Rates: Oregon DCBS study, June 2025
Florida sets the threshold by industry: construction employers need coverage from their first employee, non-construction employers from four, and agricultural employers from six regular or twelve seasonal workers. Corporate officers and LLC members count toward the total. Insurance is sold by private carriers licensed by the Office of Insurance Regulation.
Rates in effect January 1, 2024 · Oregon Department of Consumer and Business Services, 2024 study (June 2025) · Nothing you enter leaves your browser
2024 study rate for all industries in Florida. Edit it if your policy shows a different rate.
For the class you're pricing. Insurers rate each class code's payroll separately.
Printed on your experience rating worksheet or renewal. New or small employers that don't qualify for experience rating are rated at 1.00.
Estimated premium
$10,000
per year at an EMR of 1.00
At an average mod
$10,000
per year at an EMR of 1.00
Your EMR's impact
$0
no adjustment
Effective cost: $1.00 per $100 of payroll.
At an EMR of 1.00, your claims history neither raises nor lowers this premium.
Every claim from now on counts toward your next three renewals. IncidentLog makes the first step — a complete, same-day incident report — take about 90 seconds from a job-site QR code.
Create a free accountEstimate before schedule credits or debits, premium discounts, expense constants, state assessments and minimum premiums — your insurer's quote will differ.
Who must carry workers' comp in Florida?
Mandatory from 1 employee in construction, 4 employees elsewhere
- Construction
- From 1 employee
- Other industries
- From 4 employees
Corporate officers and LLC members count as employees. Agricultural employers need coverage from 6 regular employees or 12 seasonal workers (those working more than 30 days in a season or 45 days in a calendar year).
Official agency
Florida Division of Workers' Compensation (DWC)
Market: Private insurers
Florida workers' comp rates by business type
Rate per $100 of payroll for common class codes in Florida, against the median of the 51 jurisdictions in the study.
| Business type (NCCI code) | Florida | U.S. median | Difference |
|---|---|---|---|
| Office and clerical staff (8810) | $0.13 | $0.11 | +18% |
| Retail store (8017) | $1.20 | $1.20 | 0% |
| Restaurant (full service) (9082) | $1.22 | $1.09 | +12% |
| Restaurant (fast food) (9083) | $1.24 | $1.09 | +14% |
| Hotel (all other employees) (9052) | $1.84 | $1.79 | +3% |
| Assisted living / retirement center (care staff) (8824) | $2.39 | $2.03 | +18% |
| Hospital (professional staff) (8833) | $0.82 | $0.82 | 0% |
| Electrical contractor (5190) | $3.23 | $2.37 | +36% |
| Plumbing contractor (5183) | $2.97 | $2.70 | +10% |
| Residential carpentry (up to 3 stories) (5645) | $8.24 | $8.71 | −5% |
| Roofing (5551) | $3.40 | $9.64 | −65% |
| Trucking (7219) | $2.80 | $5.72 | −51% |
Florida uses NCCI class codes. Your insurer applies the rate for your own classes, then your EMR.
What a bad EMR costs in Florida
Take $500,000 of payroll at Florida's $1.00 index rate: $5,000 a year at an average mod of 1.00.
- EMR 0.85
- $4,250/yr
- EMR 1.25
- $6,250/yr
- Difference
- +$2,000/yr
A claim year usually stays in the mod for three renewals, so the gap adds up to about $6,000. The mod is built from claims, and the cheapest claim is the injury caught early.
IncidentLog lets crews report an injury or near miss from a job-site QR code in about 90 seconds, so you hear about it the same shift and see patterns on your OSHA 300 log before they become claims.
Create a free accountFlorida workers' comp FAQ
Is workers' comp insurance mandatory in Florida?
It depends on the industry. In Florida, construction employers need coverage from 1 employee, other employers from 4 employees. Corporate officers and LLC members count as employees. Agricultural employers need coverage from 6 regular employees or 12 seasonal workers (those working more than 30 days in a season or 45 days in a calendar year). Source: Florida Division of Workers' Compensation.
How are workers' comp rates set in Florida?
Employers buy coverage from private insurance companies. The Oregon DCBS study lists NCCI (the National Council on Compensation Insurance) as Florida's rating organization. Your own premium then depends on your class codes, your payroll and your experience modification rate (EMR).
What is the average workers' comp rate in Florida?
The Oregon Department of Consumer and Business Services's 2024 study puts Florida's all-industry index rate at $1.00 per $100 of payroll for rates in effect on January 1, 2024, 92% of the study's national median of $1.09. That ranks Florida #30 of 51 jurisdictions, where #1 is the most expensive (#28 in the 2022 study). Your own rate depends on your class codes.
Sources
Official texts behind this page (5 quotes)
“Non-construction industry Sole Proprietors or partners in a Partnership are not employees unless they want to be included on the business' Workers' Compensation Insurance policy and file a form DWC-251 with the Division of Workers' Compensation.”
Coverage requirements — Florida Division of Workers' Compensation (opens in a new tab) · checked October 3, 2026
“Construction Industry Employers with one or more employees, including the owner of the business who are corporate officers or Limited Liability Company (LLC) members, must have workers' compensation coverage.”
Coverage requirements — Florida Division of Workers' Compensation (opens in a new tab) · checked October 3, 2026
“Non-Construction Industry Employers with four (4) or more employees, including business owners who are corporate officers or Limited Liability Company (LLC) members, must have workers' compensation coverage.”
Coverage requirements — Florida Division of Workers' Compensation (opens in a new tab) · checked October 3, 2026
“Agricultural Industry Employers with six (6) regular employees; and/or twelve (12) seasonal workers who work more than 30 days during a season and/or more than a total of 45 days in the same calendar year.”
Coverage requirements — Florida Division of Workers' Compensation (opens in a new tab) · checked October 3, 2026
“In Florida, Workers' Compensation insurance is provided by private Insurance Carriers who are licensed by the Office of Insurance Regulation.”
Obtaining insurance coverage — Florida Division of Workers' Compensation (opens in a new tab) · checked October 3, 2026
An estimate for planning, not a quote, legal or insurance advice. IncidentLog is not an insurer or broker. Median rate across all industries: $1.09 per $100.