# FL WorkComp Quote

> FL WorkComp Quote (https://flworkcompquote.com) helps Florida employers get free workers' compensation insurance quotes from multiple carriers, and helps licensed insurance agents place Florida workers' comp accounts. It serves all 67 Florida counties and publishes a plain-language guide to 2026 Florida workers' comp rates, requirements, exemptions, and cost-saving programs.

Key facts (2026, Florida):

- Average statewide workers' comp rates decreased 6.9% effective January 1, 2026, the ninth consecutive annual decrease. Rates are recommended by NCCI and approved by the Florida Office of Insurance Regulation (OIR).
- Florida requires all carriers to use the same base manual rates. Premiums differ because of payroll, class code, experience modification (X-Mod), and carrier credits.
- Who must carry coverage: construction employers with 1 or more employees, non-construction employers with 4 or more, and agricultural employers with 6 or more regular employees (or 12 seasonal).
- Premium formula: (Annual Payroll ÷ $100) × Class Code Rate × X-Mod, plus a $160 expense constant on every policy.
- Sample 2026 NCCI Florida rates per $100 of payroll: 8810 Clerical $0.17; 8742 Outside Sales $0.38; 9082 Restaurant $1.16; 5183 Plumbing $2.74; 5190 Electrical $2.97; 5537 HVAC $3.00; 9014 Janitorial $3.21; 5474 Painting $4.48; 5022 Masonry $5.22; 7219 Trucking $7.43; 5645 Carpentry (residential) $7.69; 5551 Roofing $8.24.
- 2026 minimum payroll for included officers: $33,800 (construction) and $67,600 (non-construction).
- Construction exemptions: up to 3 officers or LLC members with at least 10% ownership, $50 fee.
- The Drug-Free Workplace Program (Florida Statute 440.102) gives a 5% premium credit.
- Operating without required coverage can lead to a Stop-Work Order and financial penalties.
- Pay As You Go billing lets employers pay premium on actual payroll each pay period instead of a large deposit.

Services:

- Free, no-obligation workers' comp quotes for Florida businesses, including high-risk classes (roofing, trucking, construction).
- Pay As You Go workers' comp programs.
- Same-day certificates of insurance after binding.
- Class code review and experience mod (X-Mod) review.
- Prospect submission for licensed insurance agents (with the ACORD application).

## Main pages

- [Home: Florida workers' comp quotes and 2026 guide](https://flworkcompquote.com/): Quote form, 2026 rate table by NCCI class code, coverage requirements, the full guide, and the FAQ.
- [2026 Florida rates by industry](https://flworkcompquote.com/#rates): Sample NCCI class code rates and the premium formula.
- [Who needs workers' comp in Florida](https://flworkcompquote.com/#requirements): Employee thresholds by industry.
- [Florida workers' comp FAQ](https://flworkcompquote.com/#faq): Costs, exemptions, X-Mod, penalties, subcontractors, audits.
- [Insurance agents: submit a prospect](https://flworkcompquote.com/agents): For licensed agents placing Florida workers' comp accounts.

## Florida city pages

Local guides covering each city's main industries, 2026 rates for common local class codes, local considerations, and FAQs. Florida base rates are the same statewide; cost differences between cities come from industry mix, not location.

- [Florida workers' comp by city (all cities)](https://flworkcompquote.com/workers-comp/)
- [Miami workers' comp insurance](https://flworkcompquote.com/workers-comp/miami): Miami-Dade County
- [Orlando workers' comp insurance](https://flworkcompquote.com/workers-comp/orlando): Orange County
- [Tampa workers' comp insurance](https://flworkcompquote.com/workers-comp/tampa): Hillsborough County
- [Jacksonville workers' comp insurance](https://flworkcompquote.com/workers-comp/jacksonville): Duval County
- [Fort Lauderdale workers' comp insurance](https://flworkcompquote.com/workers-comp/fort-lauderdale): Broward County
- [St. Petersburg workers' comp insurance](https://flworkcompquote.com/workers-comp/st-petersburg): Pinellas County
- [Tallahassee workers' comp insurance](https://flworkcompquote.com/workers-comp/tallahassee): Leon County
- [West Palm Beach workers' comp insurance](https://flworkcompquote.com/workers-comp/west-palm-beach): Palm Beach County
- [Fort Myers workers' comp insurance](https://flworkcompquote.com/workers-comp/fort-myers): Lee County
- [Cape Coral workers' comp insurance](https://flworkcompquote.com/workers-comp/cape-coral): Lee County
- [Naples workers' comp insurance](https://flworkcompquote.com/workers-comp/naples): Collier County
- [Sarasota workers' comp insurance](https://flworkcompquote.com/workers-comp/sarasota): Sarasota County
- [Port St. Lucie workers' comp insurance](https://flworkcompquote.com/workers-comp/port-st-lucie): St. Lucie County
- [Pensacola workers' comp insurance](https://flworkcompquote.com/workers-comp/pensacola): Escambia County
- [Gainesville workers' comp insurance](https://flworkcompquote.com/workers-comp/gainesville): Alachua County
- [Lakeland workers' comp insurance](https://flworkcompquote.com/workers-comp/lakeland): Polk County
- [Daytona Beach workers' comp insurance](https://flworkcompquote.com/workers-comp/daytona-beach): Volusia County
- [Ocala workers' comp insurance](https://flworkcompquote.com/workers-comp/ocala): Marion County
- [Clearwater workers' comp insurance](https://flworkcompquote.com/workers-comp/clearwater): Pinellas County
- [Boca Raton workers' comp insurance](https://flworkcompquote.com/workers-comp/boca-raton): Palm Beach County

## Florida industry pages

Guides for Florida's major industries covering the main NCCI class codes, 2026 Florida rates per $100 of payroll, whether and when coverage is required (construction 1+ employee, non-construction 4+, agriculture 6+ regular or 12+ seasonal), industry-specific risks, ways to lower cost, and FAQs.

- [Florida workers' comp by industry (all industries)](https://flworkcompquote.com/industries/)
- [General Contractors workers' comp in Florida](https://flworkcompquote.com/industries/general-contractors): Construction · 1+ Employee Requirement
- [Roofing Contractors workers' comp in Florida](https://flworkcompquote.com/industries/roofing): Class 5551 · Florida's Highest Common Rate
- [Electrical Contractors workers' comp in Florida](https://flworkcompquote.com/industries/electrical): Class 5190 · Electrical Wiring
- [Plumbing Contractors workers' comp in Florida](https://flworkcompquote.com/industries/plumbing): Class 5183 · Plumbing
- [HVAC Contractors workers' comp in Florida](https://flworkcompquote.com/industries/hvac): Class 5537 · Heating & Air Conditioning
- [Painting Contractors workers' comp in Florida](https://flworkcompquote.com/industries/painting): Class 5474 · Painting
- [Carpentry & Framing workers' comp in Florida](https://flworkcompquote.com/industries/carpentry-framing): Class 5645 · Residential Carpentry
- [Masonry & Concrete workers' comp in Florida](https://flworkcompquote.com/industries/masonry-concrete): Class 5022 · Masonry
- [Landscaping & Lawn Care workers' comp in Florida](https://flworkcompquote.com/industries/landscaping): Class 0042 · Landscape Gardening
- [Restaurants & Food Service workers' comp in Florida](https://flworkcompquote.com/industries/restaurants): Class 9082 · Restaurants
- [Hotels & Hospitality workers' comp in Florida](https://flworkcompquote.com/industries/hotels-hospitality): Class 9052 · Hotels
- [Cleaning & Janitorial workers' comp in Florida](https://flworkcompquote.com/industries/cleaning-janitorial): Class 9014 · Janitorial Services
- [Retail Stores workers' comp in Florida](https://flworkcompquote.com/industries/retail): Class 8017 · Retail Stores
- [Trucking & Transportation workers' comp in Florida](https://flworkcompquote.com/industries/trucking): Class 7219 · Trucking
- [Auto Repair & Mechanics workers' comp in Florida](https://flworkcompquote.com/industries/auto-repair): Class 8380 · Auto Service & Repair
- [Marine & Boat Services workers' comp in Florida](https://flworkcompquote.com/industries/marine): USL&H · Marinas · Boat Repair
- [Healthcare & Home Health workers' comp in Florida](https://flworkcompquote.com/industries/healthcare): Medical Offices · Home Health · Assisted Living
- [Office & Professional Services workers' comp in Florida](https://flworkcompquote.com/industries/office-professional): Class 8810 · Clerical
- [Agriculture & Farming workers' comp in Florida](https://flworkcompquote.com/industries/agriculture): 6+ Regular or 12+ Seasonal Workers

## Official sources

- [Florida Office of Insurance Regulation: Workers' Compensation](https://floir.gov/property-casualty/workers-compensation-insurance)
- [Florida Division of Workers' Compensation](https://myfloridacfo.com/division/wc)
- [NCCI](https://www.ncci.com)
- [Florida exemption applications](https://apps.fldfs.com/bocexempt/)

## Optional

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