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🌴 Florida State — NCCI Regulated

Florida Workers CompClass Codes & Rates

Florida uses NCCI (National Council on Compensation Insurance) to set workers comp rates. Find your class code, calculate your premium, and get a PEO quote in minutes.

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Florida Workers Comp — Key Facts

NCCI
Rating Bureau

Florida uses NCCI to set loss cost rates. FL is one of the most active workers comp states with a large construction workforce.

$0.18–$34+
Rate Range per $100

FL rates range from $0.18 for clerical workers to $34+ for the most hazardous construction trades like roofing.

PEO
Best Option for Hard-to-Place

FL construction and high-risk trades often struggle to get standard coverage. PEO group programs are frequently the best option.

Official-source evidence

Official Florida coverage and rate context

These Florida compliance and safety notes are linked to the governing source. They are educational information, not legal, safety, or underwriting advice.

Florida DFS states that construction employers with one or more employees, including corporate officers or LLC members, must have workers’ compensation coverage unless an applicable exemption is on file.

Source: Florida Department of Financial Services Florida employer coverage requirements

Florida DFS states that non-construction employers generally must carry workers’ compensation coverage when they have four or more employees, including corporate officers or LLC members.

Source: Florida Department of Financial Services Florida employer coverage requirements

The Florida Workers’ Compensation Joint Underwriting Association publishes a current Florida class-code rate table. Rate tables are useful for education and estimating, but a final premium depends on classification, payroll, and underwriting.

Source: Florida Workers’ Compensation Joint Underwriting Association Current Florida rate table

Source register last reviewed .

FL Class Codes by Industry

Click any class code to see the full rate breakdown, cost calculator, and PEO quote.

CONSTRUCTIONFL Construction Class Codes

Code 5551$6.752
Roofing — All Types & Drivers
Covers workers who install, repair, or replace any type of roof — shingles, tile, metal, flat/TPO, or torch-down. If your crew gets on a roof, this is your code. It's one of the highest-rated codes in Florida because falls from rooftops are the #1 cause of construction fatalities.
per $100 payroll →
Code 5474$4.481
Painting — Exterior & Interior (All Painting NOC)
Florida FWCJUA uses code 5474 (Painting or Paperhanging NOC) for all painting contractors — both exterior and interior. This single code covers house painters, commercial painters, fence painters, and exterior wall painters. If your crew paints buildings of any kind, this is your Florida class code.
per $100 payroll →
Code 5645$7.689
Carpentry — Detached Dwellings (New Construction Framing)
Covers carpenters building the structural frame of new single-family or two-family homes. Think of the crew that puts up the wood frame before drywall goes in. One of the most common codes for small residential construction contractors in Florida.
per $100 payroll →
Code 5403$4.364
Carpentry — Residential Finish Work (Not Framing)
Covers carpenters doing interior and exterior finish work on residential buildings — trim, cabinets, doors, windows, decks. If you're a carpenter working inside homes on remodels or new construction finishing, this is typically your code. Separate from framing (5645) and commercial work.
per $100 payroll →
Code 5190$2.969
Electrical Work — Within Buildings
Covers electricians wiring buildings — residential, commercial, and industrial. This includes rough-in wiring, panel installation, outlet and switch installation, and lighting. One of the most common construction class codes in Florida. Electrical work carries serious risks: electrocution is one of the "Fatal Four" in construction.
per $100 payroll →
Code 5183$2.737
Plumbing — All Operations
Covers all plumbing work — new construction rough-in, remodel plumbing, service and repair, drain cleaning, and fixture installation. Plumbers work in tight spaces, trenches, and crawl spaces. Florida's high water table makes underground plumbing work particularly hazardous.
per $100 payroll →
Code 5537$2.995
HVAC — Heating, Ventilation & Air Conditioning Installation
Covers HVAC technicians installing and servicing air conditioning, heating, and ventilation systems. In Florida, HVAC is one of the most in-demand trades — every building needs AC. Workers install ductwork, condensers, air handlers, and refrigerant lines, often in attics and on rooftops.
per $100 payroll →
Code 5213$5.184
Concrete Construction — Poured Concrete
Covers workers pouring and finishing concrete — foundations, slabs, driveways, sidewalks, and structural concrete. Concrete work is physically demanding and involves heavy equipment, vibrating tools, and chemical exposure to wet concrete. Very common in Florida's booming construction market.
per $100 payroll →
Code 5022$5.22
Masonry — Brick, Block & Stone
Covers masons laying brick, concrete block (CBS), stone, and tile for walls, floors, and structures. Florida's CBS (concrete block and stucco) construction style means masonry is one of the most common trades. Masons carry heavy materials all day and work at heights on scaffolding.
per $100 payroll →
Code 5445$4.526
Wallboard Installation — Drywall
Covers workers installing drywall (sheetrock) in residential and commercial buildings. Drywall hangers lift heavy 4x8 and 4x12 sheets overhead all day, often on stilts or scaffolding. Back injuries and shoulder injuries are extremely common. This is one of the most physically demanding trades in construction.
per $100 payroll →
Code 5462$4.007
Insulation Work — Buildings
Covers workers installing insulation in walls, ceilings, and attics — fiberglass batts, spray foam, blown-in cellulose, and rigid foam board. Florida's energy codes require significant insulation in all new construction. Attic work in Florida summers is extremely hazardous due to heat.
per $100 payroll →
Code 5057$2.855
Iron or Steel Erection — Structural
Covers ironworkers and steel erectors building structural steel frames for commercial buildings, bridges, and industrial facilities. This is one of the highest-risk construction trades — workers are elevated on steel beams with no floor beneath them. Very few standard carriers will write this code for small contractors.
per $100 payroll →
Code 5160$1.572
Roofing — Sheet Metal Work
Covers sheet metal workers installing metal roofing, gutters, downspouts, flashing, and HVAC ductwork on rooftops. Combines the height risks of roofing with the cut hazards of sheet metal work. Common in commercial construction and industrial facilities.
per $100 payroll →
Code 5606$0.85
Contractor — Executive Supervisor or Builder
Covers working supervisors and builders who manage and participate in construction work. At $0.85 per $100 of payroll, a supervisor earning $1,200/week costs $10.20/week in workers comp.
per $100 payroll →
Code 5436$4.18
Carpentry — Cabinet & Millwork Installation
Covers cabinet installers, millwork specialists, and finish carpenters working on interior woodwork. At $4.18 per $100, a carpenter earning $900/week costs $37.62/week in workers comp.
per $100 payroll →
Code 5443$2.615
Lathing & Plastering
Covers lathers and plasterers applying stucco, EIFS, and traditional plaster finishes. Florida's stucco industry is massive — nearly every home exterior uses stucco. At $5.62/$100, a plasterer earning $900/week costs $50.58/week.
per $100 payroll →
Code 5446$5.47
Wallboard Installation — Drywall
Covers drywall hangers and tapers. Florida's construction boom means drywall crews are in constant demand. At $5.47/$100, a drywaller earning $900/week costs $49.23/week in workers comp.
per $100 payroll →
Code 5506$4.098
Street & Road Construction — Not Paving
Covers workers on street and road construction projects including grading, base work, and drainage. At $7.84/$100, a worker earning $1,000/week costs $78.40/week in workers comp.
per $100 payroll →
Code 5508$4.412
Excavation — NOC
Covers general excavation work including site preparation, grading, and earthmoving. At $8.12/$100, a worker earning $1,000/week costs $81.20/week in workers comp.
per $100 payroll →
Code 5511$4.8
Concrete Construction — NOC
Covers general concrete construction work including forming, pouring, and finishing. At $7.42/$100, a worker earning $900/week costs $66.78/week in workers comp.
per $100 payroll →
Code 5538$4.85
Refrigeration & Air Conditioning — Installation
Covers HVAC and refrigeration installation technicians. Florida's climate makes HVAC one of the most in-demand trades. At $4.85/$100, a tech earning $900/week costs $43.65/week.
per $100 payroll →
Code 5542$4.92
Plumbing — Residential
Covers residential plumbing work — new construction and service. At $4.92/$100, a plumber earning $900/week costs $44.28/week in workers comp.
per $100 payroll →
Code 5552$6.752
Roofing — Shingles & Composition Tiles
Covers roofers specializing in asphalt shingles and composition tiles — the most common residential roofing in Florida. At $6.75/$100 (2026 FWCJUA), a roofer earning $800/week costs $54/week in workers comp.
per $100 payroll →
Code 5553$22.18
Roofing — Metal
Covers metal roofing installers — standing seam, corrugated, and metal tile. Metal roofing is growing rapidly in Florida due to hurricane resistance. At $22.18/$100, a roofer earning $900/week costs $199.62/week.
per $100 payroll →
Code 5705$7.742
Salvage — Demolition
Covers demolition workers tearing down structures. One of the highest-risk construction codes. At $14.22/$100, a worker earning $900/week costs $127.98/week in workers comp.
per $100 payroll →
Code 6003$12.84
Pile Driving
Covers pile driving operations for foundations. Extremely high-risk work common in Florida's coastal construction. At $12.84/$100, a worker earning $1,000/week costs $128.40/week.
per $100 payroll →
Code 6018$2.14
Pipe Laying — Sewer & Water Mains
Covers workers installing underground sewer and water main pipelines. At $8.12/$100, a worker earning $1,000/week costs $81.20/week in workers comp.
per $100 payroll →
Code 6400$3.697
Fence Erection
Covers fence installation contractors — wood, chain link, vinyl, and ornamental iron. At $5.84/$100, a worker earning $800/week costs $46.72/week in workers comp.
per $100 payroll →
Code 5473$5.65
Glaziers — Glass Installation
Covers glass installation workers — windows, storefronts, curtain walls, and mirrors. At $5.84/$100, a glazier earning $900/week costs $52.56/week in workers comp.
per $100 payroll →
Code 5491$2.531
Flooring — Hardwood Installation
Covers hardwood floor installation and refinishing. At $5.84/$100, a flooring installer earning $800/week costs $46.72/week in workers comp.
per $100 payroll →
Code 5102$4.779
Masonry — Brick
Covers brick masons and block layers. At $7.42/$100, a mason earning $900/week costs $66.78/week in workers comp.
per $100 payroll →
Code 5059$10.395
Iron or Steel — Reinforcing
Covers ironworkers placing reinforcing steel (rebar) in concrete structures. At $12.84/$100, a worker earning $1,000/week costs $128.40/week in workers comp.
per $100 payroll →
Code 5221$3.873
Concrete — Floors & Flatwork
Covers concrete flatwork including floors, driveways, sidewalks, and slabs. At $7.42/$100, a worker earning $900/week costs $66.78/week in workers comp.
per $100 payroll →
Code 5350$4.5
Tile Setting — Ceramic & Stone
Covers tile setters installing ceramic, porcelain, and stone tile. At $5.84/$100, a tile setter earning $800/week costs $46.72/week in workers comp.
per $100 payroll →
Code 7603$9.84
Staffing Agency — Construction
Covers staffing agencies placing construction workers. One of the highest-risk staffing classifications. At $9.84/$100 (2026 FWCJUA), a placed worker earning $900/week costs $88.56/week.
per $100 payroll →
Code 5348$2.671
Marble & Stone Setting
Covers marble and stone setters installing countertops, flooring, and wall cladding. At $7.42/$100, a setter earning $900/week costs $66.78/week.
per $100 payroll →
Code 5348$2.671
Painting — Interior
Covers interior painters working on residential and commercial properties. At $4.84/$100, a painter earning $800/week costs $38.72/week in workers comp.
per $100 payroll →
Code 5480$5.903
Plastering — Exterior (Stucco)
Covers exterior stucco and plastering contractors. Florida's building codes require stucco on most residential construction. At $7.84/$100, a worker earning $900/week costs $70.56/week.
per $100 payroll →
Code 5484$5.22
Masonry — Concrete Block
Covers concrete block masons building walls and structures. Florida's CBS (concrete block structure) construction is the dominant residential building method. At $7.42/$100, a mason earning $900/week costs $66.78/week.
per $100 payroll →
Code 5485$5.184
Masonry — Concrete Poured
Covers contractors forming and pouring concrete walls and foundations. At $8.42/$100, a worker earning $900/week costs $75.78/week in workers comp.
per $100 payroll →
Code 5488$5.184
Spray Painting — Exterior
Covers exterior spray painters on commercial and residential buildings. At $8.42/$100, a painter earning $800/week costs $67.36/week in workers comp.
per $100 payroll →
Code 5489$5.184
Insulation — Spray Foam
Covers spray foam insulation installers. Florida's energy codes drive high demand for spray foam. At $7.84/$100, a worker earning $800/week costs $62.72/week.
per $100 payroll →
Code 5491$2.531
Carpet & Rug Installation
Covers carpet and rug installers. At $4.84/$100, a carpet installer earning $700/week costs $33.88/week in workers comp.
per $100 payroll →
Code 5507$3.286
Concrete Pumping
Covers concrete pump operators and their helpers. At $9.84/$100, a worker earning $1,000/week costs $98.40/week in workers comp.
per $100 payroll →
Code 5509$5.941
Paving — Asphalt
Covers asphalt paving crews for roads, parking lots, and driveways. At $8.42/$100, a worker earning $900/week costs $75.78/week in workers comp.
per $100 payroll →
Code 5510$5.184
Concrete — Structural
Covers structural concrete workers on multi-story buildings and bridges. At $9.84/$100, a worker earning $1,000/week costs $98.40/week in workers comp.
per $100 payroll →
Code 5512$5.184
Concrete — Precast
Covers workers installing precast concrete components. At $7.42/$100, a worker earning $900/week costs $66.78/week in workers comp.
per $100 payroll →
Code 5645$7.689
Painting — Exterior
Covers exterior painters working on residential and commercial buildings. At $7.84/$100, a painter earning $800/week costs $62.72/week in workers comp.
per $100 payroll →
Code 9040$2.752
Swimming Pool — Construction
Covers swimming pool construction workers. Florida has more pools per capita than any other state. At $7.84/$100 (2026 FWCJUA), a worker earning $900/week costs $70.56/week.
per $100 payroll →
Code 9522$1.728
Solar Panel Installation
Covers solar panel installers working on rooftops. Florida's solar industry is booming. At $7.84/$100 (2026 FWCJUA), a worker earning $900/week costs $70.56/week.
per $100 payroll →
Code 9554$5.265
Garage Door Installation
Covers garage door installation and repair technicians. At $5.84/$100, a tech earning $800/week costs $46.72/week in workers comp.
per $100 payroll →
Code 5040$7.163
Iron or Steel Erection NOC
Covers ironworkers and steel erectors who assemble structural steel for buildings, bridges, and industrial facilities. One of the highest-risk construction trades in Florida.
per $100 payroll →
Code 5057$2.855
Iron or Steel Erection - Structural
Covers structural ironworkers on large commercial and industrial projects including high-rise buildings, stadiums, and industrial plants in Florida.
per $100 payroll →
Code 5069$15.353
Iron or Steel Erection - Ornamental
Covers ornamental ironworkers who install decorative metal railings, gates, fences, and architectural metalwork. Common in Florida luxury residential and commercial markets.
per $100 payroll →
Code 5102$4.779
Plastering or Stucco Work
Covers plastering and stucco contractors. Stucco is the dominant exterior finish in Florida due to its durability in the humid climate, making this a high-demand trade.
per $100 payroll →
Code 5160$1.572
Insulation Work
Covers insulation contractors who install thermal and acoustic insulation in buildings. Florida energy efficiency requirements and new construction drive strong demand.
per $100 payroll →
Code 5190$2.969
Electrical Wiring - Within Buildings
Covers electricians who install and repair electrical systems inside buildings. Florida construction boom and aging electrical infrastructure create constant demand for licensed electricians.
per $100 payroll →
Code 5348$2.671
Tile, Stone, Mosaic or Terrazzo Work
Covers tile and stone contractors who install ceramic tile, natural stone, and terrazzo flooring and wall coverings. Florida luxury residential and hospitality markets drive strong demand.
per $100 payroll →
Code 5403$4.364
Carpentry NOC
Covers general carpentry contractors who perform rough and finish carpentry work on construction projects. One of the most common construction trades in Florida.
per $100 payroll →
Code 5437$4.57
Carpentry - Interior
Covers interior carpentry contractors who install cabinets, millwork, trim, and finish carpentry inside buildings. Florida luxury residential market drives strong demand.
per $100 payroll →
Code 5445$4.526
Wallboard Installation
Covers drywall and wallboard installation contractors. Florida massive residential and commercial construction market makes drywall installation one of the most in-demand construction trades.
per $100 payroll →
Code 5462$4.007
Glaziers
Covers glaziers who install glass in windows, doors, storefronts, and curtain walls. Florida hurricane impact window market and commercial construction create strong demand.
per $100 payroll →
Code 5474$4.481
Painting - Exterior
Covers exterior painting contractors. Florida climate requires frequent exterior repainting due to sun, humidity, and salt air damage, creating year-round demand.
per $100 payroll →
Code 5478$2.122
Painting - Interior
Covers interior painting contractors. Florida active real estate market and new construction create strong demand for interior painters in residential and commercial buildings.
per $100 payroll →
Code 5480$5.903
Plastering or Stucco Work - Exterior
Covers exterior stucco and EIFS contractors. Florida building code requirements for exterior finishes make this a specialized and in-demand trade, especially after hurricane damage.
per $100 payroll →
Code 5506$4.098
Street or Road Construction - Paving or Surfacing
Covers road paving and surfacing contractors. Florida extensive highway system and constant road construction create strong demand for paving contractors.
per $100 payroll →
Code 5507$3.286
Street or Road Construction NOC
Covers general road and street construction contractors not otherwise classified. Includes grading, drainage, and general civil construction work on Florida roads.
per $100 payroll →
Code 5535$5.331
Sheet Metal Work - Installation
Covers sheet metal contractors who fabricate and install HVAC ductwork, gutters, flashing, and architectural sheet metal. Florida HVAC market is one of the largest in the country.
per $100 payroll →
Code 5537$2.995
Heating, Ventilation, Air Conditioning and Refrigeration Systems Installation
Covers HVAC contractors who install and service heating, cooling, and refrigeration systems. Florida extreme heat makes HVAC one of the most essential and in-demand trades in the state.
per $100 payroll →
Code 5538$4.85
Heating or Combined Heating and Refrigeration Equipment Installation
Covers contractors who install heating systems and combined heating/refrigeration equipment. Includes boiler installation, heat pump installation, and commercial refrigeration systems.
per $100 payroll →
Code 5545$5.9
Automatic Sprinkler Installation
Covers fire sprinkler installation contractors. Florida building codes require sprinkler systems in most new commercial and multi-family residential construction, creating strong demand.
per $100 payroll →
Code 5703$6.615
Building Raising or Moving
Covers contractors who raise, move, or relocate buildings. A specialized trade in Florida often used after hurricane damage or for historic preservation projects.
per $100 payroll →
Code 5705$7.742
House Moving - Including Drivers
Covers house moving contractors and their drivers. In Florida, house moving is used for historic preservation, flood zone compliance, and post-hurricane relocation.
per $100 payroll →
Code 5709$13.2
Wrecking Buildings - All Operations
Covers demolition contractors who tear down buildings and structures. Florida constant redevelopment and hurricane damage create strong demand for demolition contractors.
per $100 payroll →
Code 5712$5.2
Cabinet Works - Installation at Job Site
Covers cabinet installation contractors who install kitchen and bathroom cabinets, built-ins, and custom millwork at job sites. Florida luxury residential market drives strong demand.
per $100 payroll →
Code 5714$6.1
Door, Door Frame or Sash Installation
Covers contractors who install doors, door frames, windows, and sashes. Florida hurricane impact door and window market creates strong demand for specialized installation contractors.
per $100 payroll →
Code 5741$6.2
Electrical Apparatus Installation - NOC
Covers contractors who install electrical apparatus and equipment not otherwise classified. Includes industrial electrical equipment, switchgear, transformers, and specialized electrical systems.
per $100 payroll →
Code 5742$3.8
Electrical Apparatus Installation - Computers
Covers contractors who install computer systems, data center equipment, and IT infrastructure. Florida growing tech sector and data center industry create strong demand.
per $100 payroll →
Code 5747$4.481
Electrical Apparatus Installation - Turbines
Covers contractors who install turbines and large power generation equipment. Florida solar and wind energy expansion creates growing demand for this specialized trade.
per $100 payroll →

OTHER INDUSTRIESFL Non-Construction Class Codes

Code 9501$2.2
Painting — Shop Only (Auto, Furniture, Equipment)
Covers workers who paint in a shop or controlled environment — not on job sites. This includes auto body painters, furniture refinishers, and equipment painters. Because the work is done indoors in a fixed location, the rate is significantly lower than field painting. If your painters only work in your shop, this is your code.
Construction · per $100 payroll →
Code 0042$4.144
Landscaping — Lawn Maintenance & Gardening
Covers landscaping crews doing lawn mowing, edging, trimming, planting, mulching, and general yard maintenance. One of the most common class codes in Florida — the state's year-round growing season means landscaping companies run full crews 52 weeks a year. Heat illness is the #1 risk.
Landscaping · per $100 payroll →
Code 0106$6.089
Tree Trimming & Removal — Arborist
Covers arborists and tree crews trimming, pruning, and removing trees. This is one of the most dangerous occupations in the United States — tree workers are killed at a rate 40x higher than the average worker. Falls from trees, chainsaw injuries, and being struck by falling limbs are constant hazards. Most standard carriers refuse this code entirely.
Landscaping · per $100 payroll →
Code 0050$3.83
Golf Course — Grounds Maintenance
Covers workers maintaining golf courses — mowing fairways and greens, operating specialized turf equipment, applying fertilizers and pesticides, maintaining irrigation systems, and general grounds upkeep. Florida has more golf courses per capita than almost any other state. This is a specialized landscaping code with unique chemical exposure risks.
Landscaping · per $100 payroll →
Code 9082$1.16
Restaurant — Full Service (Waitstaff & Kitchen)
Covers all employees in a full-service restaurant — cooks, servers, dishwashers, hosts, bartenders, and bussers. Wet floors, hot equipment, and sharp knives make restaurants one of the most injury-prone workplaces. This is the standard code for sit-down restaurants in Florida.
Food Service · per $100 payroll →
Code 9084$1.046
Restaurant — Fast Food & Counter Service
Covers employees at fast food restaurants, counter service establishments, food trucks, and quick-service restaurants. Similar risks to full-service restaurants but with higher employee turnover and more part-time workers. Florida's tourism industry means fast food restaurants are extremely busy year-round.
Food Service · per $100 payroll →
Code 9083$1.197
Bar & Nightclub — Alcoholic Beverage Service
Covers employees at bars, nightclubs, lounges, and establishments primarily serving alcohol. Bars and nightclubs face unique risks including altercations with intoxicated patrons, late-night security incidents, and the same kitchen hazards as restaurants. Florida's nightlife industry is massive — Miami, Orlando, Tampa all have large bar and club scenes.
Food Service · per $100 payroll →
Code 7219$5.007
Trucking NOC — All Employees & Drivers (incl. Towing)
NCCI code 7219 (Trucking NOC — All Employees & Drivers) covers for-hire trucking — local, long-haul, and dump hauling of goods for others — and NCCI also assigns towing and roadside recovery companies to 7219. If mechanical repair or roadside service work is the majority of a towing company's revenue, NCCI assigns 8380 (Automobile Service or Repair Center & Drivers) instead. Tow truck operators work on the side of busy highways at night, in all weather, so most standard carriers refuse to write this code. Comp Ninjas specializes in towing and trucking workers comp.
Transportation · per $100 payroll →
Code 7380$4.492
Drivers, Chauffeurs & Their Helpers — Commercial (Own Vehicles)
NCCI code 7380 covers drivers, chauffeurs, and their helpers who drive the business's own vehicles — for example, delivering the company's own goods, driving company vans, or chauffeuring — when no other classification specifically includes those drivers. It is not a towing code (towing is 7219, or 8380 when repair work is the majority of revenue) and it is not for-hire trucking (hauling other people's goods is 7219, Trucking NOC). Many trades' codes already include their drivers, so 7380 applies only when drivers are not covered elsewhere.
Transportation · per $100 payroll →
Code 7228$5.007
Long-Haul Trucking (Florida rates this under 7219 Trucking NOC)
Covers over-the-road (OTR) truck drivers hauling freight long distances for others. Some NCCI states use separate long-haul trucking codes such as 7228/7229, but Florida's 2026 NCCI rate pages do not list 7228 — in Florida, for-hire trucking, local or long-haul, is classified under 7219 (Trucking NOC — All Employees & Drivers), the same code that covers towing. The figures on this page are the Florida 7219 rate.
Transportation · per $100 payroll →
Code 8835$1.378
Home Health Care — Aide Services
Covers home health aides, personal care attendants, and companion caregivers providing in-home services to elderly, disabled, or recovering patients. Florida's large senior population makes home health one of the fastest-growing industries in the state. Lifting and transferring patients is the #1 cause of injuries.
Healthcare · per $100 payroll →
Code 8832$0.218
Physicians & Medical Offices — All Employees
Covers all employees at medical offices, clinics, and physician practices — front desk staff, medical assistants, nurses, lab technicians, and billing staff. Medical office workers face needle stick injuries, patient handling risks, and exposure to infectious diseases. Florida's healthcare sector is one of the largest in the country.
Healthcare · per $100 payroll →
Code 0401$6.414
Farm — General (Field Crops, Vegetables, Fruit)
Covers farm workers harvesting field crops, vegetables, and fruits. Florida is one of the top agricultural states in the US — tomatoes, citrus, strawberries, sugarcane, and peppers. At $8.34 per $100 of payroll, a farm worker earning $600/week costs $50.04/week in workers comp.
agriculture · per $100 payroll →
Code 0400$7.84
Farm — Nursery Employees
Covers nursery workers growing and selling plants, trees, and shrubs. Florida's nursery industry is one of the largest in the US. At $7.84/$100 (2026 FWCJUA), a worker earning $600/week costs $47.04/week.
Agriculture · per $100 payroll →
Code 0404$8.34
Farm — Orchard
Covers orchard workers harvesting citrus, avocados, and other tree fruits. Florida's citrus industry employs thousands. At $8.34/$100, a worker earning $600/week costs $50.04/week.
Agriculture · per $100 payroll →
Code 0483$5.84
Farm — Greenhouse
Covers greenhouse workers growing vegetables, flowers, and ornamental plants. Florida's year-round growing season makes greenhouse operations highly active. At $5.84/$100, a worker earning $600/week costs $35.04/week.
Agriculture · per $100 payroll →
Code 9079$2.84
Hotel — All Employees
Covers all hotel employees including front desk, housekeeping, maintenance, and food service. At $2.84/$100, a hotel worker earning $600/week costs $17.04/week in workers comp.
Hospitality · per $100 payroll →
Code 9081$2.84
Restaurant — Full Service
Covers full-service restaurant employees including servers, cooks, and dishwashers. At $2.84/$100, a restaurant worker earning $500/week costs $14.20/week in workers comp.
Restaurant · per $100 payroll →
Code 9154$1.379
Janitorial Services
Covers janitorial and cleaning service workers. Florida's large commercial real estate market creates constant demand. At $3.42/$100, a janitor earning $600/week costs $20.52/week.
Cleaning · per $100 payroll →
Code 7230$5.178
Trucking — Local Hauling
Covers local delivery and hauling truck drivers. At $8.42/$100, a driver earning $900/week costs $75.78/week in workers comp.
Trucking · per $100 payroll →
Code 7232$7.095
Trucking — Dump Trucks
Covers dump truck operators hauling construction materials, fill dirt, and debris. At $9.84/$100, a driver earning $900/week costs $88.56/week in workers comp.
Trucking · per $100 payroll →
Code 7382$3.901
Bus Company — All Other Employees & Drivers
NCCI code 7382 is the bus company classification: drivers and other employees of companies that operate buses (for example charter, tour, or shuttle bus operators). It is not a towing code — towing is 7219 (or 8380 when repair work is the majority of revenue). College and school bus drivers have their own code (7383), and bus company garage employees are classified separately.
Transportation · per $100 payroll →
Code 7383$3.166
College or School — School Bus Drivers
NCCI code 7383 covers college and school bus drivers. It is a bus classification, not a towing code — heavy-duty towing and recovery is 7219 (Trucking NOC), or 8380 when repair work is the majority of revenue. Other bus company operations are 7382.
Transportation · per $100 payroll →
Code 8833$0.67
Hospital — All Employees
Covers all hospital employees including nurses, techs, and support staff. At $2.18/$100, a hospital worker earning $800/week costs $17.44/week in workers comp.
Healthcare · per $100 payroll →
Code 8834$3.42
Nursing Home — All Employees
Covers nursing home and assisted living facility employees. At $3.42/$100, a worker earning $700/week costs $23.94/week in workers comp.
Healthcare · per $100 payroll →
Code 8841$1.161
Ambulance Service
Covers EMTs and paramedics working in ambulance services. At $4.84/$100, an EMT earning $700/week costs $33.88/week in workers comp.
Healthcare · per $100 payroll →
Code 8810$0.105
Clerical Office — NOC
Covers office and clerical workers. The lowest-rated class code in workers comp. At $0.105/$100, a clerk earning $600/week costs $0.63/week in workers comp.
Office · per $100 payroll →
Code 7600$3.472
Staffing Agency — Clerical Placements
Covers staffing agencies placing clerical and administrative workers. At $0.105/$100, the workers comp cost is minimal.
Staffing · per $100 payroll →
Code 7601$3.84
Staffing Agency — Light Industrial
Covers staffing agencies placing light industrial workers in warehouses and manufacturing. At $3.84/$100, a placed worker earning $700/week costs $26.88/week.
Staffing · per $100 payroll →
Code 7602$7.84
Staffing Agency — Heavy Industrial
Covers staffing agencies placing heavy industrial workers in manufacturing and processing plants. At $7.84/$100 (2026 FWCJUA), a placed worker earning $900/week costs $70.56/week.
Staffing · per $100 payroll →
Code 8017$1.179
Store — Retail NOC
Covers retail store employees not otherwise classified. At $1.84/$100, a retail worker earning $500/week costs $9.20/week in workers comp.
Retail · per $100 payroll →
Code 8058$2.532
Building Material Dealer — Retail
Covers employees at lumber yards and building material stores. At $3.42/$100, a worker earning $700/week costs $23.94/week in workers comp.
Retail · per $100 payroll →
Code 7720$2.572
Security Guard — Unarmed
Covers unarmed security guards at commercial properties, events, and residential communities. At $2.572 per $100 (2026 Florida NCCI base rate, OIR-approved), a guard earning $700/week costs about $18.00/week in workers comp.
Security · per $100 payroll →
Code 7605$2.119
Pest Control
Covers pest control technicians. Florida's warm climate creates year-round demand for pest control. At $4.84/$100, a tech earning $700/week costs $33.88/week.
Pest Control · per $100 payroll →
Code 9012$0.605
Buildings — Apartment Management
Covers apartment building employees including maintenance, leasing, and management. At $2.18/$100, a worker earning $700/week costs $15.26/week.
Real Estate · per $100 payroll →
Code 3634$1.216
Welding — Shop
Covers welders working in shops fabricating metal components. At $5.84/$100, a welder earning $900/week costs $52.56/week in workers comp.
Manufacturing · per $100 payroll →
Code 8292$2.458
Warehouse — NOC
Covers warehouse workers not otherwise classified. At $3.42/$100, a worker earning $700/week costs $23.94/week in workers comp.
Warehouse · per $100 payroll →
Code 9586$0.427
Beauty Salon
Covers beauty salon workers including stylists, colorists, and nail technicians. At $1.42/$100, a stylist earning $600/week costs $8.52/week in workers comp.
Personal Services · per $100 payroll →
Code 8864$0.816
Day Care Center
Covers day care center employees. At $1.84/$100, a worker earning $500/week costs $9.20/week in workers comp.
Education · per $100 payroll →
Code 6834$2.035
Marina — All Employees
Covers marina employees including dock workers, mechanics, and fuel dock attendants. At $4.84/$100, a worker earning $700/week costs $33.88/week.
Marine · per $100 payroll →
Code 7521$2.84
Auto Repair Shop
Covers auto repair shop mechanics and service staff. At $2.84/$100, a mechanic earning $800/week costs $22.72/week in workers comp.
Auto Services · per $100 payroll →
Code 7580$1.687
Septic Tank Cleaning
Covers septic tank pumping and cleaning workers. At $8.42/$100, a worker earning $800/week costs $67.36/week in workers comp.
Sanitation · per $100 payroll →
Code 7590$2.811
Garbage Collection
Covers garbage and waste collection workers. At $8.42/$100, a worker earning $800/week costs $67.36/week in workers comp.
Sanitation · per $100 payroll →
Code 8742$0.218
Salesperson — Outside
Covers outside sales representatives who travel to clients. At $0.42/$100, a salesperson earning $800/week costs $3.36/week in workers comp.
Office · per $100 payroll →
Code 5506$4.098
Landscape Irrigation — Installation
Covers irrigation system installers for residential and commercial landscaping. At $5.84/$100, a worker earning $700/week costs $40.88/week in workers comp.
Landscaping · per $100 payroll →
Code 6204$4.465
Landscaping — Tree Removal
Covers tree removal and trimming crews. One of the highest-risk landscaping codes. At $14.22/$100, a worker earning $800/week costs $113.76/week in workers comp.
Landscaping · per $100 payroll →
Code 0042$4.144
Landscaping — Lawn Maintenance
In Florida, lawn maintenance crews (mowing, edging, blowing, and routine upkeep of residential and commercial grounds) are classified under NCCI code 0042, Landscape Gardening & Drivers. At $4.144 per $100 (2026 Florida NCCI base rate, OIR-approved), a worker earning $600/week costs about $24.86/week.
Landscaping · per $100 payroll →
Code 8380$1.669
Automobile Service or Repair Center & Drivers
NCCI code 8380 covers automobile service and repair centers and their drivers — mechanics, technicians, service writers who work in the shop, and drivers who move customer vehicles. It also applies to towing operations when mechanical repair or roadside service work is the majority of revenue; otherwise towing is 7219 (Trucking NOC). Auto body and paint shops are classified separately under 8393 (Automobile Body Repair, $1.183 in Florida for 2026).
Auto Services · per $100 payroll →
Code 8601$0.275
Engineers — Professional
Covers professional engineers and architects. At $0.42/$100, an engineer earning $1,500/week costs $6.30/week in workers comp.
Professional Services · per $100 payroll →
Code 9015$2.567
Buildings — Commercial
Covers commercial building maintenance and management employees. At $2.84/$100, a worker earning $700/week costs $19.88/week in workers comp.
Real Estate · per $100 payroll →
Code 9044$3.84
Swimming Pool — Service & Repair
Covers pool service and repair technicians. Florida's massive residential pool market creates year-round demand. At $3.84/$100, a tech earning $700/week costs $26.88/week.
Pool Services · per $100 payroll →
Code 9402$4.144
Street Cleaning
Covers street sweeping and cleaning crews. At $5.84/$100, a worker earning $700/week costs $40.88/week in workers comp.
Sanitation · per $100 payroll →
Code 9501$2.2
Firefighters — Volunteer
Covers volunteer fire departments and their workers. At $4.84/$100, coverage is essential for these high-risk volunteers.
Emergency Services · per $100 payroll →
Code 9516$1.63
Telephone Equipment Installation
Covers telephone and telecommunications equipment installers. At $3.84/$100, a tech earning $800/week costs $30.72/week in workers comp.
Telecommunications · per $100 payroll →
Code 9521$2.583
Satellite Dish Installation
Covers satellite dish and antenna installers. At $5.84/$100, a tech earning $700/week costs $40.88/week in workers comp.
Telecommunications · per $100 payroll →
Code 9586$0.427
Landscaping — Hardscape
Covers hardscape installation workers building patios, walkways, and retaining walls. At $7.84/$100, a worker earning $800/week costs $62.72/week.
Landscaping · per $100 payroll →

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