Office employees carry Florida's lowest workers' comp rate, but coverage is still required once you have 4 employees. Compare carriers for law firms, agencies, accountants, tech companies and other professional offices.
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Last updated · Sources: Florida Office of Insurance Regulation, NCCI, and the Florida Division of Workers' Compensation
Florida office workers' comp: quick facts for 2026
Clerical office work is the lowest-rated common class in Florida, at $0.17 per $100 of payroll for 2026 (class 8810). Outside salespeople are rated at $0.38 (8742). Law firms, architects, engineers and some other professions have their own codes.
Office injuries are less frequent, but they happen: repetitive-motion injuries, slips and falls, and car accidents for employees who drive for work.
Because premiums are small, the $160 expense constant and officer payroll minimums can make up a big share of a small office's bill.
These are the NCCI class codes most often used for office & professional services 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* |
|---|---|---|---|
| 8810 | Clerical / Office Employees | $0.17 | $330 |
| 8742 | Sales — Outside | $0.38 | $540 |
| 8820 | Attorneys — All Employees | Quoted | Varies |
| 8601 | Architects & Engineers — Consulting | Quoted | Varies |
* 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.
Professional offices save by making sure every employee is in the lowest correct code, reviewing whether officers should be included or exempt, and choosing Pay As You Go billing so the premium matches actual payroll. 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.
Florida uses the same NCCI base rates for every carrier. Premium is (annual payroll ÷ $100) × class code rate × experience mod, plus a $160 expense constant. For example, an office with $600,000 in clerical payroll (class 8810, $0.17 per $100) pays about $1,180 a year at a 1.0 experience mod, before credits such as the 5% Drug-Free Workplace credit. 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.
Clerical office work (class 8810) is rated at $0.17 per $100 of payroll for 2026. An office with $600,000 in payroll would pay about $1,180 a year at a 1.0 experience mod, including the $160 expense constant. Many small offices pay close to the carrier's minimum premium.
Yes. Remote employees are covered like any other employee. If a remote employee lives and works in another state, that state usually needs to be listed on your policy, because their claim may fall under that state's law.
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.
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