Florida's large retiree population makes healthcare one of the state's fastest-growing employers. Compare carriers for medical offices, home health agencies and assisted living facilities, and get clinical and office payroll classed correctly.
No obligation · Takes less than 60 seconds
Last updated · Sources: Florida Office of Insurance Regulation, NCCI, and the Florida Division of Workers' Compensation
Florida healthcare workers' comp: quick facts for 2026
Florida has one of the oldest populations in the country, so demand for medical offices, home health agencies, assisted living facilities and outpatient clinics keeps growing. Each kind of provider has its own workers' comp class code.
Physicians' offices (8832) are rated low. Home health care (8835) is rated much higher, because aides lift and move patients in homes without hospital equipment and drive between visits.
Healthcare workers face patient-handling injuries, needle sticks, infectious-disease exposure, and sometimes workplace violence. Home health workers add driving risk.
These are the NCCI class codes most often used for healthcare & home health in Florida. Rates shown are 2026 Florida manual rates per $100 of payroll and apply statewide. "Quoted" means the rate for that code is provided with your quote. The right code depends on the work each employee actually does.
| NCCI Code | Classification | Rate per $100 | Premium on $100K payroll* |
|---|---|---|---|
| 8832 | Physician & Clerical | Quoted | Varies |
| 8835 | Home Health Care / Nursing | Quoted | Varies |
| 8833 | Hospital — Professional Employees | Quoted | Varies |
| 8810 | Clerical / Office Employees | $0.17 | $330 |
* Includes the $160 expense constant, at a 1.0 experience mod, before Drug-Free Workplace (5%) or other credits. See the full Florida rate table.
Yes, once the business has 4 or more employees, counting full-time and part-time workers. This industry is non-construction under Florida's workers' compensation law (Chapter 440). Eligible corporate officers can elect exemption, but exemptions don't cover employees.
For 2026, included officers are rated on a minimum payroll of $33,800 each for construction businesses and $67,600 each for non-construction businesses. Operating without required coverage can lead to a Stop-Work Order and penalties based on the premium you should have paid.
Healthcare employers save by using the most specific class code for each type of work, adopting safe patient-handling and sharps programs, earning the 5% Drug-Free Workplace credit, and using Pay As You Go billing as staffing changes. Because every Florida carrier starts from the same manual rates, a specialist who knows your industry can make a real difference in how your policy is classified, credited and audited.
Premium is (annual payroll ÷ $100) × class code rate × experience mod, plus a $160 expense constant. Florida healthcare businesses are commonly classified under class 8832 (Physician & Clerical), class 8835 (Home Health Care / Nursing), or class 8833 (Hospital — Professional Employees), and the rate for your code is quoted with your application. Office-only staff may qualify for clerical class 8810 at $0.17 per $100 of payroll. 2026 Florida rates decreased 6.9% on average.
Yes, once the business has 4 or more employees, counting full-time and part-time workers. This industry is non-construction under Florida's workers' compensation law (Chapter 440). Eligible corporate officers can elect exemption, but exemptions don't cover employees.
Common healthcare codes include 8832 for physicians' offices and clerical staff, 8835 for home health care and nursing services, and 8833 for hospital professional employees. Assisted living and nursing homes have their own codes. Rates depend on the code and are quoted with your application.
Yes, once they have 4 or more employees, counting part-time aides. Agencies that call caregivers independent contractors should check that they meet Florida's independent-contractor tests, because misclassified caregivers may be added to the policy at audit.
The Florida Division of Workers' Compensation can issue a Stop-Work Order that shuts down the business until coverage is obtained and a penalty is paid. The penalty is generally twice the premium the employer would have paid over the prior two years, with a $1,000 minimum, and working in violation of a Stop-Work Order adds further daily penalties. Uninsured employers can also be sued directly by injured workers.
Get a free, no-obligation workers' compensation quote for your Florida healthcare business today.
Get My Free Quote Now →