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COVERAGE / WORKERS' COMP / STATES / FLORIDA
WORKERS' COMP · FLORIDA

Workers' comp in Florida.

Florida requires workers' comp from 4 employees. Class codes follow NCCI's manual, with Florida's exceptions. You buy coverage from carriers.

REQUIRED
From 4 employees
CONSTRUCTION
From the first employee
RATING BUREAU
NCCI
CLASS CODES
NCCI codes
BUY FROM
Carriers
WHO MUST CARRY IT

Required from 4 employees.

The rule

Florida requires workers' comp from 4 employees. Whether employees in other states count toward it: not confirmed. In construction, it applies from the first employee.

Source: Florida Statutes 440.02, Definitions ('employment'), checked October 5, 2026.

Coverage rules: Florida DFS Division of Workers' Compensation, Coverage requirements, read from an archived copy dated August 31, 2026.

CLASS CODES HERE

Class codes follow NCCI's manual, with Florida's exceptions.

Rating bureau

NCCI is Florida's rating organization.

NCCI (National Council on Compensation Insurance)

Class system

NCCI's codes, with Florida's exceptions.

Manual: NCCI Basic Manual for Workers Compensation and Employers Liability Insurance, with state exceptions (subscription)

Codes on our pages

Not confirmed for Florida: NCCI states use NCCI's codes with their own exceptions. An advisor confirms your class codes.

All class codes, by industry

List: Fla. Admin. Code 69L-6.021, Construction Industry Classification Codes (2011), checked October 5, 2026; not confirmed for the codes on our pages.

ESTIMATE YOUR PREMIUM

Your payroll, your rate, before discounts and assessments.

Your rate comes from carriers that actively write the class.

Payroll in this class
Codes on our pages; not confirmed for Florida. An advisor confirms your class codes.
Gross pay for the work in this class. Pre-tax deductions (401(k), Section 125) count. Overtime premium (the extra half) usually does not. Check your state's rules.
For the cost per employee.
PAY FREQUENCY
Your rating
From your quote or policy. Where loss costs are filed instead of rates, as in Texas, they leave out the carrier's expenses and are lower than your rate.
Compares your payroll and claims with the average employer in the same class codes. At 1.00 premium is unchanged; below 1.00 it drops, above 1.00 it rises.
SCHEDULE RATING
0 if your quote shows none.
If your quote shows one.
ESTIMATED ANNUAL PREMIUM · THIS CLASS
Enter your rate
Before discounts and assessments.

Worklio Insurance bills pay-as-you-go comp with each payroll, no deposit; the audit usually confirms what you've already paid.

Not included: premium discount on larger policies, state assessments, terrorism and catastrophe charges, minimum premium.Get a real quote

COMMON QUESTIONS

Do I need workers' comp in Florida?
Yes. Florida requires workers' comp from 4 employees. Whether employees in other states count toward it: not confirmed. In construction, it applies from the first employee.
Who sets class codes in Florida?
NCCI, as Florida's rating organization. Class codes follow NCCI's manual, with Florida's exceptions. An advisor confirms your class codes.
Is Worklio Insurance licensed in Florida?
Worklio Insurance Services LLC's producer is licensed in Florida, and the agency license there is active. See insurance licenses

SOURCES

Figures as of August 31, 2026.

For planning, not a quote or a classification ruling. An advisor confirms your class codes with your carrier.

MORE ON WORKERS' COMP

ALL STATESWorkers' comp by stateWho must carry it, who sets class codes and where to buy, in each state.ALL CLASS CODESEvery code, by industryOffice, sales and the codes for each industry we serve.COVERAGEWorkers' compPay-as-you-go premiums billed with each payrollWORKLIO HCMPayroll taxes in FloridaEmployer payroll tax rates, on Worklio HCM.

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