Florida law requires most employers with four or more employees to carry workers' compensation insurance. Construction industry employers — including sole proprietors — must carry coverage regardless of the number of employees. Bright Coast Insurance is a Florida-licensed independent agency (FL #L103957) that quotes workers' comp for businesses of all sizes across every Florida county.
Florida workers' comp rates are set by the National Council on Compensation Insurance (NCCI) and approved by the Florida Office of Insurance Regulation. Rates are expressed per $100 of payroll. Key 2026 rates include: Roofing (5551): $6.752, Framing (5645): $7.689, Drywall (5445): $4.526, HVAC (5537): $2.995, Plumbing (5183): $2.737, Electrical (5190): $2.969, General Contractors (5403): $4.364, Masonry (5022): $5.220. Your actual premium is calculated as: (Annual Payroll ÷ 100) × Rate × Experience Modifier.
Construction: All employers, including sole proprietors and partners, must carry coverage. Non-construction: Required when you have 4 or more employees (including part-time). Agricultural: Required when you have 6 or more regular employees or 12 or more seasonal workers. Domestic workers: Required when you employ 10 or more domestic workers. Penalties for non-compliance include stop-work orders and fines equal to 2× the premium that should have been paid.
Browse coverage by trade: Roofing Contractors | Electrical Contractors | Plumbing Contractors | HVAC Contractors | General Contractors | Masonry Contractors.
Not sure of your class code? Search all NCCI workers' comp class codes or browse Florida class codes directly. If you've been declined by standard carriers, learn about FWCJUA coverage. Get a free quote now.