Legal Requirements for Florida Workers Comp

In Florida, you need a workers’ compensation insurance policy as a business if:

Your business is in an industry other than construction and it has four (4) or more employees, full-time or part-time (Corporate officers that have correctly filed exemptions with the state do not count as employees).
Your business is in the construction industry and you have one (1) or more employees (Corporate officers that have correctly filed exemptions with the state or a member of a limited liability company do not count as employees).
You are a farmer and have more than five (5) regular employees and/or twelve (12) or more other workers for seasonal agricultural labor lasting thirty (30) days or more.

Florida Statute 440

The Workers Comp Law

Work Comp Exemptions

Exclude Owners & Officers

Class Codes

Florida Workers Comp Specific

Find the latest information and rates about the class codes on your workers compensations insurance policy. These are used to categorize your employees by job duty.

2022 Florida Workers Comp Rates

View the New Rates

Workers compensation rates change each year. Find out whether the rates for your class codes are increasing or decreasing from last year.

The manual rates are issued by the Florida Office of Insurance Regulation after being analyzed by the National Council on Compensation Insurance (NCCI).