Workers Comp Class Code 0404 — Farm — Orchard
Florida NCCI Workers Comp Classification
FL NCCI Rate
$8.34
per $100 of payroll
Same-Day COI
Available
through PEO program
For code 0404, a worker earning $800/week costs just $66.72/week in workers comp through our PEO program.
FL NCCI Rate
$8.34/$100
per $100 payroll
Risk Level
High
NCCI classification
Same-Day COI
Available
through PEO program
Approval Time
24–48 hrs
most industries
What Is Workers Comp Class Code 0404?
NCCI class code 0404 covers Farm — Orchard in Florida. This classification is used by workers' compensation carriers to determine premium rates based on the relative injury risk of workers in this occupation. The Florida NCCI rate for code 0404 is $8.34 per $100 of payroll, placing it in the high-risk tier.
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.
Code 0404 is a non-construction classification. Florida requires workers' compensation for non-construction employers with 4 or more employees, though coverage is strongly recommended for businesses of any size to protect against catastrophic injury costs.
What Does This Rate Mean in Real Dollars?
At $8.34/$100, a worker earning $600/week costs $50.04/week. Annual cost for $100,000 payroll: ~$8,340.
Rate History — Code 0404
5-Year Rate Trend
Code 0404 — Florida NCCI rates
Source: Florida NCCI rate filings 2020–2024
Florida NCCI rates for code 0404 have decreased from $9.30 to $8.34 over the past 5 years — a positive trend for employers.
Why PEO Makes Sense for Code 0404
No deposit. No audit. Same-day COI.
Orchard operations have seasonal harvest peaks. PEO pay-as-you-go means you pay more during harvest and less in the off-season — no annual deposit.
No Deposit
Pay as you go each week
No Audit
Premium based on actual payroll
Same-Day COI
Instant certificate issuance
📋 Real-World Example
A citrus grove in Polk County with 15 seasonal workers. A picker falls from a ladder during harvest — $28,000 claim for fractures.
Common Job Titles Under Code 0404
Top Workers Comp Risks for Code 0404
The NCCI rate for this classification reflects the frequency and severity of workers' compensation claims historically filed by workers in this occupation. The primary risks include:
Florida Workers Comp Requirements for Code 0404
Florida Statute Chapter 440 governs workers' compensation requirements. For non-construction employers classified under code 0404, coverage is required when you have 4 or more employees. However, even with fewer than 4 employees, a serious workplace injury could result in significant personal liability.
The Florida Division of Workers' Compensation conducts random job site inspections and can issue an immediate stop-work order if coverage is not current. The penalty is equal to twice the amount of premium that should have been paid, plus $1,000 per day per employee while uninsured.
Frequently Asked Questions — Code 0404
What is the workers comp rate for class code 0404 in Florida?
The Florida NCCI rate for class code 0404 (Farm — Orchard) is $8.34 per $100 of payroll. For a business with $150,000 in annual payroll, the estimated annual workers comp cost is $12,510.
Can I get same-day workers comp coverage for class code 0404?
Yes. Through Comp Ninjas's PEO program, most businesses classified under code 0404 can be approved and receive a Certificate of Insurance (COI) within 24–48 hours. Same-day COI issuance is available in most cases once your application is complete.
Is class code 0404 considered high-risk in Florida?
Code 0404 is classified as high-risk based on its NCCI rate of $8.34 per $100 of payroll. This rate is above 5%, which means standard carriers may decline coverage or require large deposits. Our PEO program specializes in covering high-risk classifications that standard carriers decline.
What is the difference between a PEO and a traditional workers comp policy for code 0404?
A traditional policy for code 0404 requires an upfront deposit (typically 25–35% of annual premium), a year-end audit, and a minimum payroll requirement. Our PEO pay-as-you-go program calculates premium on actual payroll each cycle — no deposit, no audit, no minimum. For a business with $150,000 in annual payroll under code 0404, the annual cost would be approximately $12,510.
How do I switch to a PEO program if I already have a workers comp policy for code 0404?
You can switch at any time — you don't need to wait for your current policy to expire. We handle the transition and coordinate with your current carrier to avoid any coverage gaps. Most clients are enrolled and covered within 24–48 hours of submitting their application.
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