FLPrimary Market

Florida Workers Comp Class Codes & Rates

Florida workers' compensation class rates in this index are the FWCJUA assigned-risk rates effective January 1, 2026. The Florida Office of Insurance Regulation acknowledged that rate filing. Voluntary-market carrier rates are not these numbers.

Rating Org

FWCJUA

Effective

2026-01-01

Avg Rate

—

Codes Listed

351+

Florida requires all employers with 4 or more employees (1 or more in construction) to carry workers' compensation insurance. Rates shown are the FWCJUA (FL assigned-risk) 2026 rate, effective January 1, 2026, per $100 of payroll. Classes 0908 and 0913 are a dollar amount per worker. Source: https://www.fwcjua.com/Rates.

Florida rates, answered

How much does workers' comp cost in Florida?

It depends on what your crew does, more than on how big you are. On the 2026 FWCJUA assigned-risk table, a dollar of roofing payroll costs about 64 times as much to insure as a dollar of clerical payroll ($6.752 against $0.105 per $100). The math is the same for every class: payroll ÷ 100 × class rate × experience mod, and the result can't fall below that class's minimum premium.

Rates effective January 1, 2026 · Source: FWCJUA rate table · Verified October 25, 2026 against the live FWCJUA table · Bright Coast Insurance, Florida agency license L103957 and L132181.
Upcoming rates: none published yet (checked October 25, 2026). These 2026 rates stay in force until FWCJUA files a new set.

Five illustrative examples (hypothetical businesses, 2026 FWCJUA rates)

Illustrations only, not Bright Coast clients.

Business	Class	Payroll	Rate / $100	Mod	Math	Estimated premium
Hypothetical roofing crew	5551	$150,000	$6.752	1.00	1,500 × 6.752 × 1.00 = $10,128	$10,128
Hypothetical framer on single-family homes	5645	$200,000	$7.689	0.85	2,000 × 7.689 × 0.85 = $13,071	$13,071
Hypothetical plumbing shop, 1.10 mod	5183	$250,000	$2.737	1.10	2,500 × 2.737 × 1.10 = $7,527	$7,527
Hypothetical two-person electrician	5190	$80,000	$2.969	0.95	800 × 2.969 × 0.95 = $2,256 → min $2,831	$2,831
Hypothetical one-person office	8810	$60,000	$0.105	1.00	600 × 0.105 × 1.00 = $63.00 → min $254.00	$254.00

In these illustrations, look at the electrician and the office. Both work out below their class minimums, so the minimum is what they'd pay. That's common for one- and two-person Florida businesses, and it's why a tiny payroll doesn't produce a tiny premium. The framer shows the other side: an 0.85 mod takes about $2,300 off a $15,378 manual premium, which is why claims history is worth managing.

Estimate your Florida premium

Pick your class, enter annual payroll for that class and your experience mod (use 1.00 if you don't have one). This uses the FWCJUA (FL assigned-risk) 2026 rate and minimum premium.

Class codeAnnual payroll for this class ($)Experience mod

Estimate, not a quote

$10,128 / year

$150,000 ÷ 100 × $6.752 × 1.00 = $10,128. Class minimum is $2,900.

Assigned-risk manual premium only. It leaves out FWCJUA tier surcharges, taxes and fees, and voluntary-market pricing, which can be lower.

Get a real Florida quote

Or call (239) 475-0361.

Request your Florida workers' comp quote

A licensed Bright Coast agent prices your actual payroll and operations with the carriers we write with. This is the same quote form as our quote page.

What actually moves a Florida workers' comp bill

Assigned-risk or voluntary market

The rates on this page are the FWCJUA's, the plan of last resort for employers no private carrier will write. Most established contractors with clean losses get placed with a voluntary carrier instead, priced from that carrier's own filing. We publish the FWCJUA figures because they're the one official, public, per-class Florida number anyone can check. If you're in the JUA now, our FWCJUA assigned-risk guide explains the tiers and how to move out.

Tier surcharges inside the JUA

FWCJUA policies are sorted into tiers by loss history and how long the business has operated, and higher tiers carry a surcharge on top of the manual premium. The estimator above stops before that step on purpose. A surcharge depends on your file, not your class.

Your experience mod

Once your premium is large enough to qualify, your own claims history becomes a multiplier on every class. A 1.20 mod adds 20%; a 0.85 takes 15% off. Run your numbers in the experience mod calculator, and read how the 2026 Florida rates were set.

Getting the class right

Misclassification is the most expensive mistake we see at audit. A carpenter coded 5645 on detached homes runs $7.689 per $100, while the same carpenter on commercial work (5403) runs $4.364. Split payroll by class when your crew really does both, and keep the records to back it up. Our Florida class codes explainer walks through the common traps.

Who has to carry it, and the cost of skipping it

Construction employers need coverage from the first employee; everyone else, from the fourth. Corporate officers in construction with at least 10% ownership can file an exemption, renewed every two years. The Division of Workers' Compensation can stop a job the day it finds an uninsured crew, and the penalty is twice the premium you should have paid, with a $1,000 minimum. See the 2026 contractor requirements.

More Florida workers' comp

High-Intent Codes

Most-Searched Florida Class Codes

These are the Florida class codes most frequently searched by contractors and business owners. Each rate is the FWCJUA (FL assigned-risk) 2026 rate, effective January 1, 2026.

5551$6.752

ROOFING - ALL KINDS