Workers' Comp Cost for General Contractors in Jacksonville, FL
Florida 2026 rate: $3.50–$6.00 per $100 payroll per $100 payroll (Class Code 5403). $5,000–$18,000 for a small GC.
General Contractors Workers' Comp in Jacksonville
Florida workers' comp rates are set statewide by the FWCJUA and NCCI — they do not vary by city. Whether you're a general contractors in Jacksonville or anywhere else in Florida, the 2026 base rate for class code 5403 is $3.50–$6.00 per $100 payroll per $100 of payroll. However, local carrier availability and market competition can affect the final premium you're quoted. Bright Coast Insurance works with multiple carriers to find the best rate for Jacksonville-area contractors.
Rate Range
$3.50–$6.00
per $100
Class Code
5403
NCCI 2026
Same-Day
COI
available
What Affects Your Premium
- Total annual payroll across all employee classifications
- Mix of work types (residential vs. commercial, new construction vs. renovation)
- Subcontractor usage and whether they carry their own insurance
- Experience modification rate (EMR)
- Number of corporate officer exemptions filed
- Safety program quality and claims history
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Bilingual agents available. Same-day quotes and COI issuance for Jacksonville-area general contractors.
Other Trades in Jacksonville
FAQs — General Contractors Workers' Comp in Jacksonville
How much does workers' comp cost for a general contractor in Florida?
Florida general contractor workers' comp costs vary widely based on the type of work and employee mix. A small GC with $200,000 in payroll might pay $7,000–$12,000 annually. The rate depends on which class codes apply to your employees — supervisors and laborers have different rates. Contact Bright Coast Insurance for a precise quote.
Do Florida general contractors need workers' comp?
Yes. Florida law requires general contractors with 1 or more employees in the construction industry to carry workers' compensation. Corporate officers can file exemptions (up to 3 per company), but at least one policy must be in place if you have non-exempt employees.
What happens if a GC's subcontractor doesn't have workers' comp?
If a subcontractor working for you doesn't have their own workers' comp policy, Florida law treats their employees as your employees for coverage purposes. This means your carrier may charge you additional premium for uninsured subs during an audit. Always collect COIs from all subcontractors before they start work.
Can a Florida general contractor use pay-as-you-go workers' comp?
Yes. Pay-as-you-go workers' comp calculates your premium based on actual payroll each pay period rather than an annual estimate. This is especially beneficial for GCs whose payroll fluctuates with project volume. It reduces the risk of large audit bills and improves cash flow.
General Contractors Workers' Comp Cost in Other Florida Cities
Get a General Contractors Workers' Comp Quote in Jacksonville
Same-day quotes and COI issuance. Bilingual agents available.