Workers' comp for construction, roofing, HVAC, and landscaping businesses in Orlando, FL. Same-day COI. PEO-backed. No year-end audit.
Orlando is one of the fastest-growing cities in the United States, with massive residential and commercial construction activity driven by tourism, tech, and population growth. Orange County construction permits have surged over 30% in recent years, creating high demand for fast workers' comp coverage.
Workers comp rates in Florida are calculated per $100 in payroll and vary by class code. Below are typical rates for the most common industries in Orlando.
| Trade | Code | Rate / $100 Payroll | Risk Level |
|---|---|---|---|
| Roofing | 5551 | $18.00–$28.00 | High |
| Framing / Carpentry | 5645 | $10.00–$16.00 | High |
| Concrete | 5221 | $7.00–$12.00 | Medium |
| Electrical | 5190 | $4.00–$7.00 | Medium |
| Plumbing | 5183 | $4.50–$8.00 | Medium |
| Home Health | 8835 | $2.50–$5.00 | Low |
| Towing | 7219 | $8.00–$14.00 | High |
| Agriculture | 0050 | $6.00–$12.00 | Medium |
* Rates are estimates. Actual rates depend on claims history, exact class code, and PEO program. Call for an exact quote.
A PEO (Professional Employer Organization) acts as a co-employer of your workers. Instead of buying an individual workers' comp policy — which requires a large deposit and an annual audit — you join the PEO's master plan. This means you pay weekly based on your actual payroll, there's no upfront deposit, and no year-end audit. For contractors in Orlando working in high-risk industries like construction, roofing, or towing, the PEO model is often the only way to get affordable, fast coverage.
In Florida, Chapter 440 of the Florida Statutes requires workers' comp coverage for most employers. Construction businesses with 1 or more employees (including the owner) must carry coverage. Florida's Division of Workers' Compensation conducts regular job site inspections in Orlando and can issue stop-work orders with fines of $1,000 per day per employee.
Rates vary by industry and class code. In Florida, construction rates range from $4 to $28+ per $100 in payroll. With our PEO program, you pay weekly based on your actual payroll — no large upfront deposit required.
Yes. Once we complete your application and verify your information, we can issue a certificate of insurance the same day in most cases. Call (239) 228-8029 to get started.
We accept construction, roofing, demolition, towing, trucking, agriculture, home health, and staffing — industries many insurers turn away.
In Florida, sole proprietors in construction can file a workers' comp exemption. However, if you have employees or uninsured subcontractors, you may be liable. Many general contractors require their subs to carry active coverage.
A COI is a one-page document proving you have active workers' comp coverage. General contractors, property owners, and government agencies typically require it before you can start work. With Comp Ninjas, you can get your COI the same day.
A traditional policy requires a large deposit (often 25–30% of the estimated annual premium) and a year-end audit. A PEO program eliminates the deposit, lets you pay weekly based on actual payroll, and has no year-end audit — making it ideal for contractors with variable payroll.