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Last updated · Sources: Florida Office of Insurance Regulation, NCCI, and the Florida Division of Workers' Compensation
Orlando workers' comp: quick facts for 2026
Orlando's economy is built on tourism and hospitality — theme parks, resorts, the convention center on International Drive and thousands of restaurants — backed by fast-growing construction, healthcare, and simulation and technology employers.
Hospitality employers in Orange and Osceola counties employ large, often seasonal workforces. Restaurants, hotels, attractions, janitorial contractors and event staffing companies all need workers' comp once they reach four employees (counting corporate officers and LLC members).
Central Florida's population growth also drives steady demand for residential and commercial construction, so roofing, framing, electrical, plumbing and HVAC contractors make up a large share of Orlando workers' comp policies. HVAC work in particular is year-round in the Central Florida heat.
These are 2026 NCCI Florida manual rates per $100 of payroll for class codes common among Orlando employers. They apply statewide; your final premium also reflects your experience mod and any carrier credits.
| NCCI Code | Industry | Rate per $100 | Premium on $100K payroll* |
|---|---|---|---|
| 9082 | Restaurant / Food Service | $1.16 | $1,320 |
| 9014 | Janitorial / Cleaning Services | $3.21 | $3,370 |
| 5537 | Heating & Air Conditioning (HVAC) | $3.00 | $3,160 |
| 5190 | Electrical Wiring | $2.97 | $3,130 |
| 5645 | Carpentry / Framing — Residential | $7.69 | $7,850 |
| 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.
Florida's workers' compensation law (Chapter 440, Florida Statutes) applies the same way in Orlando as everywhere else in the state. Construction businesses need coverage with one or more employees, and corporate officers and LLC members count. Non-construction businesses 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.
Eligible business owners can reduce cost with an exemption. Up to three officers or LLC members of a construction company who each own at least 10% can file a construction exemption for $50, and non-construction officers can elect exemption through the Division of Corporations. Exemptions only cover the owners. Any employees still require a policy.
Because Florida carriers must start from the same manual rates, savings come from getting the details right: accurate class codes for every employee, a lower experience mod through safety programs and prompt claim reporting, the 5% Drug-Free Workplace credit under F.S. 440.102, certificates of insurance from every subcontractor, and Pay As You Go billing that matches premium to real payroll. A specialist can review all of these when quoting your Orlando policy.
Florida uses the same NCCI base rates statewide, so a Orlando business pays the same manual rate as a business anywhere else in Florida for the same class code. Premium is (annual payroll ÷ $100) × class code rate × experience mod, plus a $160 expense constant. For example, a Orlando HVAC contractor (class 5537, Heating & Air Conditioning (HVAC), $3.00 per $100) with $250,000 in payroll would pay about $7,660 a year before experience mod and credits. 2026 rates in Florida decreased 6.9% on average.
Yes, for most employers. Florida law applies the same requirements in Orlando and Orange County as everywhere in the state: construction businesses need coverage with 1 or more employees (including officers and LLC members), non-construction businesses with 4 or more employees, and agricultural businesses with 6 or more regular employees or 12 or more seasonal workers.
Yes. Under Florida Statute 440.103, building departments in Orange County and across Florida must receive proof of workers' compensation coverage or a valid Certificate of Election to be Exempt before issuing a building permit to a contractor.
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.
Many Orlando hospitality and event businesses use Pay As You Go workers' comp, which calculates premium from actual payroll each pay period. That avoids paying a large deposit based on peak-season estimates and reduces the chance of a big additional premium at the year-end audit.
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