Workers Comp Class Code 6834 — Marina — All Employees
Florida NCCI Workers Comp Classification
FL NCCI Rate
$2.04
per $100 of payroll
Same-Day COI
Available
through PEO program
For code 6834, a worker earning $800/week costs just $16.28/week in workers comp through our PEO program.
FL NCCI Rate
$2.04/$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 6834?
NCCI class code 6834 covers Marina — All Employees 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 6834 is $2.04 per $100 of payroll, placing it in the medium-risk tier.
Covers marina employees including dock workers, mechanics, and fuel dock attendants. At $4.84/$100, a worker earning $700/week costs $33.88/week.
Code 6834 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 $4.84/$100, a worker earning $700/week costs $33.88/week. Annual cost for $150,000 payroll: ~$7,260.
Rate History — Code 6834
5-Year Rate Trend
Code 6834 — Florida NCCI rates
Source: Florida NCCI rate filings 2020–2024
Florida NCCI rates for code 6834 have decreased from $5.43 to $4.84 over the past 5 years — a positive trend for employers.
Why PEO Makes Sense for Code 6834
No deposit. No audit. Same-day COI.
Florida's extensive coastline makes marinas a major industry. PEO provides flexible coverage for seasonal staffing.
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 marina in Sarasota with 10 employees. A dock worker slips on a wet dock and falls into the water — $22,000 claim for injuries.
Common Job Titles Under Code 6834
Top Workers Comp Risks for Code 6834
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 6834
Florida Statute Chapter 440 governs workers' compensation requirements. For non-construction employers classified under code 6834, 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.
OSHA Standards That Apply to Code 6834
Workers in this classification are subject to the following OSHA standards. Violations of these standards are the most common triggers for workers' compensation claims in this trade.
29 CFR 1910.106
Flammable liquids: Applies to marina fuel docks and storage; requires approved tanks/cabinets, bonding/grounding during fueling, ventilation, spill control, and emergency shutoff devices.
29 CFR 1910.178
Powered Industrial Trucks: Covers marina forklifts used for dry‑stack boat storage; mandates operator training/certification, pre‑shift inspections, and safe operating procedures around racks and docks.
29 CFR 1910.22
Walking‑Working Surfaces: Requires docks, gangways, and dry‑stack aisles to be maintained clean, dry, and slip‑resistant with protection for holes/edges and safe access.
29 CFR 1910.147
The Control of Hazardous Energy (Lockout/Tagout): Applies when servicing travel lifts, hoists, fuel pumps, and electrical panels; requires written procedures, energy isolation, and employee training.
29 CFR 1910.184
Slings: Governs inspection, rating, and safe use of web/wire slings, shackles, and spreader bars used with travel lifts/gantries to move boats.
Florida Stop-Work Order Cases — Code 6834
The Florida Division of Workers' Compensation (DFS) actively enforces coverage requirements. Below are representative enforcement cases involving businesses classified under code 6834.
Pinellas County (2024): DFS issued a stop‑work order to a St. Petersburg marina after a dockhand injury revealed no active workers’ comp on their 9 dock/fuel/lift employees. Penalty assessed included twice the unpaid premium for the prior 24 months (about $32,560) plus $1,000 per day per employee for 5 days until compliance ($45,000), totaling approximately $77,560.
Monroe County (2023): A Keys marina with a fuel dock and dry‑stack used 12 seasonal workers and 2 uninsured 1099 dockhands; investigators found no coverage and payroll masking. DFS calculated twice the unpaid premium (~$90,000) and added $1,000/day/employee for 6 days ($72,000) for a total penalty near $162,000.
Lee County (2021): A Cape Coral marina misclassified dockhands as clerical and had no policy in force during peak season; 6 employees were observed working on floating docks and at the fuel pier. DFS assessed twice the unpaid premium (~$36,000) plus $1,000/day/employee for 3 days ($18,000), for an estimated $54,000 in penalties.
Source: Florida DFS enforcement records. Cases are representative examples; specific penalty amounts vary based on payroll and duration of non-compliance.
Why Standard Carriers Decline Code 6834
Many standard insurance carriers restrict or decline coverage for businesses classified under code 6834. Understanding these declination triggers helps you find the right coverage path.
Over‑water exposure and potential USL&H triggers: Many admitted carriers won’t write 6834 when dockhands regularly work over navigable waters, handle lines from boats, or ride on customer vessels due to Longshore/Jones Act exposure and drowning risk.
Heavy lifting and dry‑stack operations: Travel lifts, marina forklifts, and boat hoists create severe crush/strike hazards; carriers decline without documented lift inspections, certified operators, and written hoisting procedures specific to 6834.
Fuel dock and flammable liquids: On‑site gasoline/diesel dispensing, vapor hazards, and spill risk lead to declinations or steep surcharges unless the marina proves 1910.106/NFPA‑compliant systems, emergency shutoffs, and spill response training.
In‑house diving, sea trials, or boat operation by employees: If 6834 staff perform hull cleaning, underwater work, or operate/tow boats, many standard markets walk away due to marine crew/Jones Act crossover and inadequate separation of those exposures.
Common Workers Comp Audit Mistakes for Code 6834
Year-end workers comp audits frequently result in unexpected additional premiums for businesses classified under code 6834. These are the most common audit mistakes to avoid.
Classifying dockhands, fuel attendants, or lift operators as 8810 clerical or 8742 outside sales when they also step onto docks, handle lines, or assist customers—NCCI will move all such wages to 6834.
Failing to track and disclose time worked over or adjacent to navigable water for USL&H rating; auditors often add a Longshore surcharge to 6834 payroll when logs or job duties show over‑water tasks.
Paying yard and dock workers in cash or as 1099s; DFS and carrier audits routinely deem them employees and roll those amounts into 6834 payroll (plus penalties).
Splitting an employee’s wages between parts/retail and marina duties without contemporaneous time records; if someone ever fuels, line‑handles, or helps with the lift, auditors usually assign 100% of their pay to 6834.
Experience Mod (EMR) & PEO Advantage
For 6834 marinas, frequent slip/fall claims on wet docks and strains from line‑handling or lifting boats raise the primary loss portion that drives your EMR, while a single severe event (forklift or over‑water fall) can spike the mod for three policy years. A PEO that specializes in marina operations spreads risk across a larger pool and brings dock/fuel‑specific safety, RTW, and claims triage—helping control losses and stabilize your EMR-driven pricing even when your individual loss history is choppy.
Frequently Asked Questions — Code 6834
What is the workers comp rate for class code 6834 in Florida?
The Florida NCCI rate for class code 6834 (Marina — All Employees) is $2.04 per $100 of payroll. For a business with $150,000 in annual payroll, the estimated annual workers comp cost is $3,053.
Can I get same-day workers comp coverage for class code 6834?
Yes. Through Comp Ninjas's PEO program, most businesses classified under code 6834 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 6834 considered high-risk in Florida?
Code 6834 is classified as medium-risk based on its NCCI rate of $2.04 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 6834?
A traditional policy for code 6834 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 6834, the annual cost would be approximately $3,053.
How do I switch to a PEO program if I already have a workers comp policy for code 6834?
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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