Florida Agriculture Workers' Compensation Insurance
Workers' comp for Florida farms, groves, nurseries, and agricultural operations of all sizes. We understand Florida's agricultural class codes, seasonal payroll, and H-2A requirements.
Florida Farm Operations We Cover
Vegetable Farms
Tomatoes, peppers, squash, cucumbers
Citrus Groves
Oranges, grapefruit, tangerines, limes
Berry Farms
Strawberries, blueberries, blackberries
Nursery & Foliage
Ornamentals, foliage plants, tree farms
Sugar Cane
Belle Glade, Clewiston, EAA region
Tropical Fruits
Avocados, mangos, papayas, lychee
Livestock & Dairy
Cattle, dairy farms, poultry
Field Crops
Corn, watermelon, cantaloupe, soybeans
Grove Maintenance
Tree pruning, spraying, trimming
Florida Agricultural Class Codes & 2026 Rates
Your premium = (Annual Payroll ÷ 100) × Rate
| Code | Description | Common Crops | Rate / $100 | Min Premium |
|---|---|---|---|---|
| 0005 | Farm: Nursery Employees & Drivers | nursery plants, foliage, ornamentals | $2.403 | $2,322 |
| 0008 | Farm: Gardening-Market or Truck & Drivers | tomatoes, peppers, squash | $2.506 | $2,415 |
| 0016 | Orchards (Citrus, Avocado, Mango & Drivers) | oranges, grapefruit, avocados | $3.595 | $2,900 |
| 0030 | Sugar Cane Plantation & Driver | sugar cane | $2.791 | $2,671 |
| 0037 | Farm Field Crops | strawberries, blueberries, watermelon | $3.186 | $2,900 |
| 0050 | Farm Machinery Operation | all crops requiring equipment operators | $3.830 | $2,900 |
| 0052 | Orchard Grove Owners and Operators | citrus groves, avocado groves, mango groves | $2.889 | $2,759 |
| 0079 | Vineyards or Berry Farms | blueberries, strawberries, blackberries | $1.962 | $1,925 |
| 0106 | Tree Pruning, Spraying, Repairing, Trimming | citrus maintenance, grove care | $6.089 | $2,900 |
| 0173 | Berry Farm and Drivers | strawberries, blueberries | $0.671 | $1,683 |
Using H-2A workers?
Federal law requires workers' comp for H-2A workers regardless of Florida's agricultural exemption. See our dedicated H-2A page.
Florida Farm Workers' Comp — FAQ
Does Florida require workers' comp for farm workers?
Florida state law requires agricultural employers to carry workers' compensation if they have 6 or more regular employees OR 12 or more seasonal workers for at least 30 days. However, if you use H-2A workers, federal law requires coverage regardless of how many workers you have.
What is the most common workers' comp class code for Florida farms?
The most common codes are 0008 (vegetable farming — tomatoes, peppers, cucumbers) at $2.506 per $100 payroll, 0016 (citrus orchards) at $3.595, 0005 (nursery/foliage) at $2.403, and 0037 (field crops including strawberries) at $3.186. The correct code depends on the primary work your employees perform.
Can I get workers' comp for seasonal farm workers only?
Yes. We can structure policies to cover your seasonal workforce with payroll estimates that match your harvest season. Policies can be written to cover specific date ranges that align with your planting and harvest calendar.
What injuries are most common on Florida farms?
The most common agricultural injuries in Florida include heat stroke and heat exhaustion (especially in summer months), musculoskeletal injuries from repetitive harvesting motions, machinery and equipment accidents, pesticide exposure, and transportation accidents. Workers' comp covers all of these.
Get Your Florida Farm Workers' Comp Quote
We understand Florida agriculture. Same-day certificates available for H-2A employers.