Workers Comp Class Code 8834 — Nursing Home — All Employees
Florida NCCI Workers Comp Classification
FL NCCI Rate
$3.42
per $100 of payroll
Same-Day COI
Available
through PEO program
For code 8834, a worker earning $800/week costs just $27.36/week in workers comp through our PEO program.
FL NCCI Rate
$3.42/$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 8834?
NCCI class code 8834 covers Nursing Home — 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 8834 is $3.42 per $100 of payroll, placing it in the medium-risk tier.
Covers nursing home and assisted living facility employees. At $3.42/$100, a worker earning $700/week costs $23.94/week in workers comp.
Code 8834 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 $3.42/$100, a worker earning $700/week costs $23.94/week. Annual cost for $200,000 payroll: ~$6,840.
Rate History — Code 8834
5-Year Rate Trend
Code 8834 — Florida NCCI rates
Source: Florida NCCI rate filings 2020–2024
Florida NCCI rates for code 8834 have remained relatively stable around $3.42 over the past 5 years.
Why PEO Makes Sense for Code 8834
No deposit. No audit. Same-day COI.
Nursing homes have high turnover and variable staffing. PEO pay-as-you-go eliminates audit risk from staffing fluctuations.
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 nursing home in Pinellas County with 40 employees. A CNA injures her back transferring a resident — $19,000 claim.
Common Job Titles Under Code 8834
Top Workers Comp Risks for Code 8834
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 8834
Florida Statute Chapter 440 governs workers' compensation requirements. For non-construction employers classified under code 8834, 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 8834
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 1910.1030
Bloodborne Pathogens: requires an exposure control plan, Hepatitis B vaccination offer, sharps injury log, safer needle/sharps, and post-exposure follow-up for CNAs/LPNs/RNs handling blood or OPIM in nursing homes.
29 CFR 1910.1200
Hazard Communication: requires a written HazCom program, SDS access, labeling, and employee training for disinfectants, sterilants, laundry chemicals, and other agents used in resident care, housekeeping, and maintenance.
29 CFR 1910.132
Personal Protective Equipment: mandates hazard assessment, selection, training, and provision of PPE (gloves, gowns, eye/face protection) for resident care, handling soiled linens, and cleaning tasks.
29 CFR 1910.22
Walking-Working Surfaces: requires clean, dry floors, slip-resistant walking surfaces, maintained handrails and stairs, and clear aisles—critical for wet bathroom areas, dining rooms, and laundry rooms in nursing homes.
29 CFR 1910.134
Respiratory Protection: requires a written program, medical evaluations, fit testing, and training for staff who use N95s or other respirators when caring for residents with airborne infectious diseases.
Florida Stop-Work Order Cases — Code 8834
The Florida Division of Workers' Compensation (DFS) actively enforces coverage requirements. Below are representative enforcement cases involving businesses classified under code 8834.
Broward County (2023): DFS issued a stop-work order to a 76-bed nursing home in Hollywood after coverage was canceled for nonpayment; 22 employees worked uninsured for 18 days. Penalty calculated at $1,000/day per employee ($396,000) plus twice the estimated unpaid premium (~$12,500), totaling about $408,500.
Duval County (2024): A Jacksonville skilled-nursing facility with 28 employees let its policy lapse during a management change and operated 9 days without workers’ comp. DFS assessed roughly $252,000 in daily penalties (28 employees × 9 days × $1,000) plus twice the unpaid premium (~$6,800), for an estimated total of $258,800.
Pinellas County (2021): A memory-care center in Clearwater unintentionally went uninsured for 10 days after a payroll company termination, with 14 employees on the schedule. DFS calculated about $140,000 in daily penalties plus twice the unpaid premium (~$7,500), for an estimated $147,500 penalty before reinstatement.
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 8834
Many standard insurance carriers restrict or decline coverage for businesses classified under code 8834. Understanding these declination triggers helps you find the right coverage path.
High frequency of resident-handling injuries (back/shoulder strains from transfers, repositioning, falls) and slip-and-fall claims in bathing/dining areas drive loss ratios that many admitted carriers won’t accept for 8834.
Heavy reliance on PRN/temp agency staff or 1099 CNAs/LPNs creates coverage and control issues (uncertified subs, unclear supervision, and higher injury rates), leading to declinations or steep surcharges.
Facilities with dementia/memory-care or bariatric units without proven safe-lift programs (ceiling/stand-assist lifts, two-person transfer rules, documented training) are often declined due to expected claim severity.
Negative indicators such as prior DFS stop‑work orders, an EMR above 1.20–1.30, or poor housekeeping/laundry controls (wet floors, cluttered hallways) frequently trigger carrier non-renewals for 8834.
Common Workers Comp Audit Mistakes for Code 8834
Year-end workers comp audits frequently result in unexpected additional premiums for businesses classified under code 8834. These are the most common audit mistakes to avoid.
Classifying front-desk or billing staff to 8810 clerical while they regularly enter resident-care areas or assist during meal/evacuation times; auditors move them into 8834 because nursing home code is “all employees” unless clerical is strictly segregated.
Paying CNAs/LPNs as 1099 contractors or using per‑diem pools without valid workers’ comp certificates; auditors pick up uninsured labor as payroll to 8834, inflating premium.
Splitting employees between 8834 (facility care) and 8835 (home health) without contemporaneous time/pay records; if any home visits occur and records are inadequate, auditors may assign the entire person to the higher‑hazard exposure, increasing cost.
Moving kitchen, laundry, and housekeeping to restaurant/cleaning class codes to save premium; for nursing homes these roles are included in 8834 and auditors reclassify all wages back, often with additional penalties for underreporting.
Experience Mod (EMR) & PEO Advantage
For 8834, the mod is highly sensitive to frequent strains and slip‑and‑fall claims that happen during resident lifts, showers, or dining service—many small medical‑only claims can push the EMR up faster than a single large claim. A PEO focused on healthcare can dampen volatility by placing you on a master policy (reducing the direct impact of one bad year) and by driving down frequency with safe‑lift programs, nurse triage, and aggressive return‑to‑work—helping pull the mod back toward 1.00 over time.
Frequently Asked Questions — Code 8834
What is the workers comp rate for class code 8834 in Florida?
The Florida NCCI rate for class code 8834 (Nursing Home — All Employees) is $3.42 per $100 of payroll. For a business with $150,000 in annual payroll, the estimated annual workers comp cost is $5,130.
Can I get same-day workers comp coverage for class code 8834?
Yes. Through Comp Ninjas's PEO program, most businesses classified under code 8834 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 8834 considered high-risk in Florida?
Code 8834 is classified as medium-risk based on its NCCI rate of $3.42 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 8834?
A traditional policy for code 8834 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 8834, the annual cost would be approximately $5,130.
How do I switch to a PEO program if I already have a workers comp policy for code 8834?
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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