Florida's tourism economy runs on hotel workers. Compare carriers for hotels, motels, resorts and vacation-rental operators, get hotel, restaurant and clerical payroll classed correctly, and match premium to your seasonal staffing.
No obligation · Takes less than 60 seconds
Last updated · Sources: Florida Office of Insurance Regulation, NCCI, and the Florida Division of Workers' Compensation
Florida hotel workers' comp: quick facts for 2026
Hotels and resorts are one of Florida's largest employers, especially around Orlando's theme parks, Miami Beach, the Gulf beaches and Daytona. Most hotel employees, including housekeeping, maintenance, front desk and bell staff, are classed under 9052. Hotel restaurant staff are usually class 9058.
Housekeeping is the main source of hotel injuries: repetitive lifting, pushing heavy carts and bending to make beds. Maintenance staff add ladder, electrical and pool-chemical exposures.
Florida hotels see big seasonal swings, from snowbird season in the winter to summer family travel. Premium based on estimated payroll can be badly off, which leads to large audit bills or refunds.
These are the NCCI class codes most often used for hotels & hospitality 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* |
|---|---|---|---|
| 9052 | Hotel — All Other Employees | Quoted | Varies |
| 9058 | Hotel — Restaurant 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.
Hotels save by keeping restaurant, hotel and clerical payroll separate, collecting certificates from staffing agencies and contractors, adopting housekeeping ergonomics programs, earning the 5% Drug-Free Workplace credit, and using Pay As You Go billing for seasonal staffing. 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 hotel businesses are commonly classified under class 9052 (Hotel — All Other Employees) or class 9058 (Hotel — Restaurant 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.
Most hotel employees, including housekeeping, maintenance, front desk and bell staff, are generally class 9052. Hotel restaurant employees are generally class 9058, and office-only staff may qualify for clerical class 8810. Rates for each code are quoted with your application.
Yes. Seasonal and part-time employees count toward Florida's 4-employee threshold for non-construction businesses, and they're covered by the policy while they work. Pay As You Go billing helps match premium to seasonal payroll.
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 hotel business today.
Get My Free Quote Now →