Workers' Comp for Painting Contractors in Florida
Florida painting contractors face high workers comp rates due to fall risk and chemical exposure. Our PEO program provides same-day COI, no audit, and no deposit — even for new contractors with no prior coverage.
Get My Painting Contractor QuoteTop Workplace Injury Risks
Falls from Ladders & Scaffolding
Exterior painting requires working at heights — falls are the #1 cause of serious injury and death for painting contractors.
Chemical & Solvent Exposure
Paints, primers, solvents, and strippers contain chemicals that cause respiratory illness, skin conditions, and long-term health issues.
Eye Injuries
Spray painting, sanding, and chemical splashing cause eye injuries that require immediate medical attention and workers comp claims.
Repetitive Motion
Brush and roller work causes shoulder, elbow, and wrist injuries (painter's elbow) that develop over time.
Heat Illness
Florida's heat makes outdoor painting particularly dangerous — heat stroke and exhaustion are common summer claims.
Struck-By Incidents
Working near other trades on construction sites exposes painters to falling objects and equipment hazards.
No Audit. No Deposit. No Hassle.
- Premium calculated on actual payroll
- No year-end audit — ever
- No large deposit required to start
- Same-day Certificate of Insurance
- Coverage from 1 to 500+ employees
- Bilingual support in English and Spanish
Pay-As-You-Go
Premium tied to actual payroll
No Audit
Zero year-end audit surprises
Same-Day COI
Certificate issued within hours
Hard-to-Place
We cover what others decline
Operations We Cover
Frequently Asked Questions
Is workers comp required for painting contractors in Florida?
Yes. Florida classifies painting as construction, which means workers' comp is required with even 1 employee. This is one of the most strictly enforced requirements — the Florida Division of Workers' Compensation actively inspects painting job sites.
What is the workers comp class code for painting contractors in Florida?
Florida FWCJUA uses a single code 5474 (Painting or Paperhanging NOC) for all painting contractors — both interior and exterior. The 2026 FWCJUA rate is $4.48 per $100 of payroll. Through our PEO structure, we access group rates and can cover painting contractors that standard carriers decline.
Can I get workers comp for a painting company that's been declined?
Yes. We specialize in hard-to-place painting contractors — including those with prior claims, high experience modification rates, or gaps in coverage. Our PEO carrier relationships allow us to cover what standard insurers decline.
How does pay-as-you-go workers comp work for painting contractors?
Your premium is calculated on actual payroll each week. No large deposit, no annual audit. This is ideal for painting contractors who take on variable projects and need coverage that scales with their workforce.
How fast can I get a COI for a painting job in Florida?
Same day in most cases. General contractors and property managers require proof of workers comp before allowing painters on site. We issue your Certificate of Insurance within hours of approval.
Related Pages
Ready to Get Covered?
Same-day COI. No large down payment. Bilingual support. Get your free quote in 2 minutes.