Workers' Comp for Security Guard Companies in Florida
Security guard companies face unique workers comp challenges — high assault risk, armed vs. unarmed classifications, and 24/7 operations. Our PEO program covers all security operations with same-day COI and no audit.
Get My Security Company QuoteFlorida Workers Comp Law for Security Companies — Florida Statute 440.02 Requires Coverage for 4+ Employees
Top Workplace Injury Risks
Assault & Battery
Security guards face the highest rate of workplace assault of any occupation. Physical altercations with trespassers, intruders, and agitated individuals are a constant risk.
Slip & Fall on Patrol
Guards patrolling large facilities, parking lots, and construction sites face slip, trip, and fall hazards around the clock.
Vehicle Accidents
Mobile patrol officers and security drivers face vehicle accident risk during routine patrols and emergency responses.
Stress & Fatigue Injuries
Long shifts, overnight work, and high-alert environments contribute to fatigue-related accidents and health claims.
Firearm Incidents
Armed security personnel face unique liability and workers comp exposure related to firearm use and training accidents.
Exposure to Hazardous Environments
Guards posted at construction sites, chemical plants, and industrial facilities face environmental hazards beyond standard office risks.
PEO Workers Comp vs Traditional Policy — What Florida Security Companies Need to Know
No Audit. No Deposit. No Hassle.
PEO Workers Comp vs Traditional Policy — What Florida Security Companies Need to Know
- 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
Common questions about workers comp for Florida security guards, patrol companies, and armed security firms
Frequently Asked Questions
What is the 2026 workers comp rate for security guard companies in Florida?
The FWCJUA 2026 rate for unarmed guard services (code 7382) is $2.458 per $100 of payroll, effective January 1, 2026. Armed security (code 7720) is rated higher at $3.412 per $100. For a security company with $300,000 in annual payroll, the base manual premium for unarmed guards is approximately $7,374. PEO group rates through Comp Ninjas are typically 20–40% lower.
Why is workers comp for security companies so expensive?
Security guard workers comp rates reflect elevated assault risk and the 24/7 nature of operations. The 2026 FWCJUA rate for unarmed guards (7382) is $2.458 per $100 payroll, and armed security (7720) is $3.412 per $100. Through our PEO structure, we access group rates that are typically 20–40% below these manual rates.
Is there a difference in workers comp rates for armed vs. unarmed security?
Yes. Armed security (class code 7720) is rated at $3.412 per $100 payroll in 2026, while unarmed security (7382) is $2.458 per $100 — reflecting the additional risk exposure of armed operations. We can cover both classifications under our PEO program.
Can I get workers comp for a new security company with no history?
Absolutely. New security companies are frequently declined by standard carriers. Our PEO program accepts new operations and can issue a COI the same day you're approved. No prior loss history required.
How does pay-as-you-go work for security companies with variable hours?
Security staffing fluctuates with contracts and events. Pay-as-you-go calculates your premium on actual hours and wages paid each cycle at the 2026 FWCJUA rate — no large deposit, no audit, no overpayment.
Do I need workers comp for 1099 security contractors?
If your 1099 security contractors don't carry their own coverage, you may be liable for their injuries. Our PEO structure can cover your entire workforce under one policy.
What are the penalties for uninsured security companies in Florida?
The Florida Division of Workers' Compensation can issue an immediate stop-work order for any uninsured security company. Penalties include fines equal to 2x the premium that should have been paid, plus $1,000 per day per uninsured employee. For a 5-guard team with $300,000 in payroll working 30 days uninsured, that's a potential $150,000 in daily penalties plus $7,374 in back premiums.
Florida Security Workers' Comp Rates (2026 FWCJUA)
NCCI Class Code Rates for Florida Security Workers Comp — 2026 FWCJUA Schedule
Rates effective January 1, 2026. PEO group rates through Comp Ninjas are typically 20–40% below these manual rates.
| Class Code | Guard Type | Rate per $100 | $100K Payroll | $300K Payroll |
|---|---|---|---|---|
| 7382 | Guard Services — Unarmed | $2.458 | $2,458 | $7,374 |
| 7720 | Guard Services — Armed | $3.412 | $3,412 | $10,236 |
| 7380 | Patrol Services — Mobile | $2.737 | $2,737 | $8,211 |
| 8742 | Security Dispatchers / Office Staff | $0.218 | $218 | $654 |
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