Workers Comp Rates in Florida (FL)

Florida workers comp rates are approximately 8% above the national average. Here's what Florida business owners need to know about classification and premiums.

Florida Workers Comp Overview

Florida requires workers comp for construction businesses with 1+ employees and non-construction with 4+. Rates are moderate but construction classifications carry significant premiums.

How Florida Rates Compare

With a state modifier of 1.08x, a business in Florida paying $10,000 in base premium nationally would pay approximately $10,800 in FL. This makes proper classification even more important in high-rate states like Florida — every misclassified employee costs more.

The most impactful thing a Florida business owner can do is ensure that office, clerical, and administrative employees are coded separately from their operational staff. In FL, the difference between a clerical code (8810 at $0.16/$100) and a construction code (5403 at $9.42/$100) is massive — and that gap is amplified by the state modifier.

This guide is for informational purposes only and is not insurance advice. Florida rates and requirements are subject to change.