Your industry decides most of what you pay for workers' comp in Florida: the class code, the rate, and even whether coverage is required. Choose your industry for 2026 class codes and rates, coverage rules, ways to save, and a free quote.
No obligation · Takes less than 60 seconds
Last updated . Don't see your industry? We quote every Florida class code — request a quote and a specialist will help.
Florida requires every carrier to start from the same NCCI manual rates, so the biggest factor in your premium is your industry's class code. For 2026, rates per $100 of payroll range from $0.17 for clerical office work to $8.24 for roofing, nearly a 50-fold difference. Your premium is (annual payroll ÷ $100) × class code rate × experience mod, plus a $160 expense constant, less credits such as the 5% Drug-Free Workplace credit.
| Industry | Main NCCI Code | Rate per $100 | Premium on $100K payroll* |
|---|---|---|---|
| Marine & Boat Services | 8810 | $0.17 | $330 |
| Office & Professional Services | 8810 | $0.17 | $330 |
| Restaurants & Food Service | 9082 | $1.16 | $1,320 |
| Plumbing Contractors | 5183 | $2.74 | $2,900 |
| Electrical Contractors | 5190 | $2.97 | $3,130 |
| HVAC Contractors | 5537 | $3.00 | $3,160 |
| Cleaning & Janitorial | 9014 | $3.21 | $3,370 |
| Painting Contractors | 5474 | $4.48 | $4,640 |
| Masonry & Concrete | 5022 | $5.22 | $5,380 |
| Trucking & Transportation | 7219 | $7.43 | $7,590 |
| General Contractors | 5645 | $7.69 | $7,850 |
| Carpentry & Framing | 5645 | $7.69 | $7,850 |
| Roofing Contractors | 5551 | $8.24 | $8,400 |
* 2026 Florida manual rates, including the $160 expense constant, at a 1.0 experience mod, before credits. Rates for other industries are quoted with your application.
Florida's coverage requirement depends on your industry, not just your size. Construction businesses, including roofing, electrical, plumbing, HVAC, painting, carpentry and masonry, need coverage with one employee, and officers and LLC members count. Non-construction businesses such as restaurants, hotels, retail stores, offices, healthcare providers and trucking companies need coverage with four or more employees, full or part time. Agricultural employers need coverage with six or more regular employees or twelve or more seasonal workers.
See the full 2026 Florida rate table, the statewide FAQ, or local guides for 20 Florida cities.
Free, no-obligation quotes from Florida's top carriers, with expert class code review.
Get My Free Quote Now →