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Workers' Comp for Staffing Agencies in Florida

Staffing agencies are the employer of record — which means you carry the workers' comp. Bright Coast covers all placement types, from clerical to construction, with same-day certificates.

How Workers' Comp Works for Florida Staffing Agencies

As the employer of record, your agency is responsible for workers' comp — not your client companies. Your policy must cover all placed workers based on the work they actually perform.

You Are the Employer

Florida law makes the staffing agency the employer of record for all placed workers. Your WC policy covers injuries at client sites, not the client's policy.

Class Code = Job Performed

Premiums are based on the actual work performed at the placement site — not your office operations. A placed electrician uses code 5190 ($2.969/$100), not 8810.

Payroll-Based Premium

Your premium is calculated from actual payroll by class code. Pay-as-you-go options are available so you pay as workers are placed, not based on estimates.

Florida Workers' Comp Rates by Placement Type — 2026

Official FWCJUA 2026 rates per $100 of payroll for the most common staffing placement categories.

Class CodePlacement CategoryTypical WorkersRate / $100 PayrollCost / $100K Payroll
8810Office / ClericalClerical staff, data entry, admin$0.105$105
8742Outside SalesSales reps, account managers$0.218$218
8832Medical / HealthcareMedical office, clinic staff$0.218$218
8835Home Health AidesIn-home care, personal care aides$2.285$2,285
9082Restaurant / Food ServiceServers, cooks, kitchen staff$1.160$1,160
5022Masonry / ConstructionConcrete, block, masonry workers$5.220$5,220
5403General ConstructionGeneral construction labor$4.364$4,364
5190ElectricalElectricians, electrical helpers$2.969$2,969
5183PlumbingPlumbers, pipefitters$2.737$2,737
7380Trucking / DeliveryLocal delivery drivers, truck operators$4.492$4,492
0042LandscapingLawn care, grounds maintenance$4.144$4,144

Source: FWCJUA 2026 Manual Rates, effective January 1, 2026. Rates are per $100 of payroll before experience modification.

Sample Premium Calculation

A Florida staffing agency with mixed placements — $300,000 in clerical payroll, $200,000 in construction labor, and $100,000 in food service:

Class CodeTypePayrollRatePremium
8810Clerical$300,000$0.105$315
5403Construction$200,000$4.364$8,728
9082Food Service$100,000$1.160$1,160
Total Base Premium (before EMR)$10,203

Actual premium will vary based on experience modification rate (EMR), carrier surcharges, and policy fees. Rates from FWCJUA 2026 effective 1/1/2026.

Frequently Asked Questions

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