Insurance - Outside Claim Adjusters
Florida Workers' Compensation Class Code 8728 • FWCJUA / NCCI • Effective 2025-01-01
Current Rate
$0.36
per $100 of payroll
FWCJUA / NCCI 2025-01-01
What is Class Code 8728?
Class code 8728 covers outside insurance claim adjusters who travel to loss sites to investigate and settle claims. Work involves driving to accident scenes, damaged properties, and medical facilities to assess losses. Hazards include motor vehicle accidents (the primary risk), slip-and-fall injuries at loss sites, and exposure to hazardous conditions at damaged properties.
Who is Covered Under This Code?
Field claims adjusters, independent adjusters, and catastrophe adjusters.
Tips to Reduce Your Premium
- MVR checks and defensive driving training are critical for outside adjusters
- PPE is required when entering damaged or hazardous properties
- Separate inside claims staff under code 8723
Frequently Asked Questions
What is workers comp class code 8728?
Class code 8728 covers outside insurance claim adjusters who travel to loss sites to investigate and settle claims. Work involves driving to accident scenes, damaged properties, and medical facilities to assess losses. Hazards include motor vehicle accidents (the primary risk), slip-and-fall injuries at loss sites, and exposure to hazardous conditions at damaged properties.
What is the workers comp rate for class code 8728 in Florida?
The current workers' compensation rate for class code 8728 in Florida is $0.36 per $100 of payroll, as set by FWCJUA / NCCI effective 2025-01-01. Your actual premium will also depend on your experience modification factor (EMR) and the carrier you choose.
Who is covered under class code 8728?
Field claims adjusters, independent adjusters, and catastrophe adjusters.
How can I reduce my workers comp premium for class code 8728 in Florida?
MVR checks and defensive driving training are critical for outside adjusters PPE is required when entering damaged or hazardous properties Separate inside claims staff under code 8723
Do I need workers comp insurance for employees classified under code 8728 in Florida?
Yes. Florida requires most employers to carry workers' compensation insurance for their employees. Class code 8728 employees must be covered. Penalties for non-compliance in Florida can be severe, including stop-work orders and fines. Contact Bright Coast Insurance at (239) 228-8029 for a fast, competitive quote.
Rates shown are advisory loss costs or assigned risk rates as of the effective date listed. Your actual workers' compensation premium will depend on your specific payroll, experience modification factor (EMR), carrier selection, and other underwriting factors. Contact Bright Coast Insurance for an accurate quote tailored to your business.
Premium Estimator
Enter your annual payroll to estimate your base premium for code 8728 in FL.
Quick Facts
- Class Code
- 8728
- State
- Florida
- Rate per $100
- $0.36
- Rating Org
- FWCJUA / NCCI
- Effective
- 2025-01-01
Related Class Codes
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