Workers Comp Class Code 0050 — Golf Course — Grounds Maintenance
Florida NCCI Workers Comp Classification
FL NCCI Rate
$3.83
per $100 of payroll
Same-Day COI
Available
through PEO program
For code 0050, a worker earning $800/week costs just $30.64/week in workers comp through our PEO program.
FL NCCI Rate
$3.83/$100
per $100 payroll
Risk Level
Medium
NCCI classification
Same-Day COI
Available
through PEO program
Approval Time
24–48 hrs
most industries
What Is Workers Comp Class Code 0050?
NCCI class code 0050 covers Golf Course — Grounds Maintenance 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 0050 is $3.83 per $100 of payroll, placing it in the medium-risk tier.
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.
Code 0050 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 $3.82 per $100, a golf course maintenance worker earning $650/week costs about $24.83/week in workers comp. Golf courses often have 15-30 grounds crew members — PEO handles the full crew under one policy with automatic coverage for seasonal hires.
Rate History — Code 0050
5-Year Rate Trend
Code 0050 — Florida NCCI rates
Source: Florida NCCI rate filings 2020–2024
Florida NCCI rates for code 0050 have decreased from $4.40 to $3.82 over the past 5 years — a positive trend for employers.
Why PEO Makes Sense for Code 0050
No deposit. No audit. Same-day COI.
Golf courses have large, diverse workforces — grounds crew, cart attendants, pro shop staff, food service. PEO can cover all of them under one program, simplifying payroll, workers comp, and HR administration. Instead of managing 3 different policies for 3 different departments, everything runs through one PEO.
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 golf course in Sarasota County has 18 grounds crew members. A worker operating a fairway mower on a slope loses control and the mower rolls over him. He suffers broken ribs and a punctured lung. Workers comp covers the ICU stay, surgery, and 2 months of recovery. The golf course's PEO policy was already in place.
Common Job Titles Under Code 0050
Top Workers Comp Risks for Code 0050
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 0050
Florida Statute Chapter 440 governs workers' compensation requirements. For non-construction employers classified under code 0050, 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 0050
What is the workers comp rate for class code 0050 in Florida?
The Florida NCCI rate for class code 0050 (Golf Course — Grounds Maintenance) is $3.83 per $100 of payroll. For a business with $150,000 in annual payroll, the estimated annual workers comp cost is $5,745.
Can I get same-day workers comp coverage for class code 0050?
Yes. Through Comp Ninjas's PEO program, most businesses classified under code 0050 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 0050 considered high-risk in Florida?
Code 0050 is classified as medium-risk based on its NCCI rate of $3.83 per $100 of payroll. This is a moderate rate that most carriers will cover, though our PEO pay-as-you-go program typically offers better terms than a traditional standalone policy.
What is the difference between a PEO and a traditional workers comp policy for code 0050?
A traditional policy for code 0050 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 0050, the annual cost would be approximately $5,745.
How do I switch to a PEO program if I already have a workers comp policy for code 0050?
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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