Workers Comp Class Code 7228 — Trucking — Long Haul (Over 50 Miles)
Florida NCCI Workers Comp Classification
FL NCCI Rate
$5.01
per $100 of payroll
Same-Day COI
Available
through PEO program
For code 7228, a worker earning $800/week costs just $40.06/week in workers comp through our PEO program.
FL NCCI Rate
$5.01/$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 7228?
NCCI class code 7228 covers Trucking — Long Haul (Over 50 Miles) 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 7228 is $5.01 per $100 of payroll, placing it in the high-risk tier.
Covers over-the-road (OTR) truck drivers hauling freight long distances across state lines. Long-haul trucking has higher rates than local trucking because of the greater exposure to highway accidents, fatigue-related crashes, and the severity of accidents at highway speeds. Florida has a massive freight industry.
Code 7228 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 $5.01 per $100 (2026 FWCJUA rate), a long-haul driver earning $1,100/week costs about $55.08/week in workers comp. Long-haul drivers are often owner-operators or small fleet owners — PEO works for both W-2 drivers and can help structure compliant payroll for owner-operators.
Rate History — Code 7228
5-Year Rate Trend
Code 7228 — Florida NCCI rates
Source: Florida NCCI rate filings 2020–2024
Florida NCCI rates for code 7228 have decreased from $6.80 to $5.01 over the past 5 years — a positive trend for employers.
Why PEO Makes Sense for Code 7228
No deposit. No audit. Same-day COI.
Long-haul trucking companies often struggle with workers comp because of the multi-state nature of the work. PEO provides coverage that follows your drivers across state lines — you don't need separate policies in every state your drivers operate in. One Florida PEO policy covers all interstate operations.
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 small trucking company in Jacksonville has 3 OTR drivers. A driver falls asleep at the wheel on I-10 and rolls the truck. He suffers a traumatic brain injury and multiple fractures. The workers comp claim exceeds $500,000. Without coverage, this claim would end the company. PEO provided coverage from day one.
Common Job Titles Under Code 7228
Top Workers Comp Risks for Code 7228
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 7228
Florida Statute Chapter 440 governs workers' compensation requirements. For non-construction employers classified under code 7228, 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 7228
What is the workers comp rate for class code 7228 in Florida?
The Florida NCCI rate for class code 7228 (Trucking — Long Haul (Over 50 Miles)) is $5.01 per $100 of payroll. For a business with $150,000 in annual payroll, the estimated annual workers comp cost is $7,510.
Can I get same-day workers comp coverage for class code 7228?
Yes. Through Comp Ninjas's PEO program, most businesses classified under code 7228 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 7228 considered high-risk in Florida?
Code 7228 is classified as high-risk based on its NCCI rate of $5.01 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 7228?
A traditional policy for code 7228 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 7228, the annual cost would be approximately $7,510.
How do I switch to a PEO program if I already have a workers comp policy for code 7228?
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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