Workers Comp Cost in Florida
2026 rates — mandatory for most Florida employers
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Workers Comp Rates by Industry — Florida 2026
| Industry Class | Risk Level | Rate / $100 payroll |
|---|---|---|
| Clerical / Office (8810) | Very Low | $0.20 – $0.45 |
| Retail / Wholesale (8017–8018) | Low | $0.80 – $2.00 |
| Restaurant / Food Service (9082) | Moderate | $1.50 – $3.50 |
| Light Manufacturing (3632) | Moderate | $2.00 – $5.00 |
| Trucking / Delivery (7219–7231) | High | $4.00 – $8.00 |
| Construction / Carpentry (5645) | High | $5.00 – $12.00 |
| Roofing (5551) | Very High | $8.00 – $18.00 |
Rates are advisory/illustrative. Actual Florida rates vary by carrier, your specific class codes, and Experience Mod.
Workers Comp in Florida — Key Facts
1. Florida Requirement & Market
Mandatory: YES — required for construction (1+ employees), agriculture (6+ employees), all others (4+ employees)
Market: State program (FIGA for insolvency only) + private market
Florida has above-average workers' comp costs driven by high construction activity, tourism/hospitality employment, and a litigation-heavy legal environment. Construction companies face particularly high rates and strict compliance requirements — all subcontractors must have their own coverage or be included on the GC's policy. Florida uses NCCI for class code rating.
2. Top Cost Tips for Florida
Florida construction employers: ensure ALL subcontractors have their own workers' comp certificates before starting work — using an uninsured sub exposes you to significant premium audit additions. Florida's Division of Workers' Compensation maintains an online Certificate of Election to Be Exempt database — use it to verify sub status.
Compare Workers Comp Quotes in Florida
Rates vary 20–40% between carriers for identical coverage. Compare before your next renewal.
Florida Workers Comp Summary
- →Avg rate: $1.65 per $100 payroll
- →$500K payroll: ~$13,875/yr avg risk
- →Cost vs national: above average
- →Mandatory: Yes