Florida contractor workers' comp: what it costs

Real contractor policies we placed

A heating and air conditioning contractor in Florida we insure pays $1,182 a year for workers' comp, written with AmTrust.

Outside Florida, for scale:

A remodeling contractor working on single-family homes we insure pays $1,237 a year for workers' comp, written with AmTrust.

A concrete block masonry contractor we insure pays $1,575 a year for workers' comp, written with The Hartford.

A home remodeler working on single-family homes we insure pays $2,565 a year for workers' comp, written with The Hartford.

A builder of new single-family homes we insure pays $3,562 a year for workers' comp, written with The Hartford.

A general electrical contractor we insure pays $3,774 a year for workers' comp, written with Employers.

Each line is one real policy we placed, not an average or a range. Your price depends on your payroll, the type of work, your state and your claims, and we can't promise a price until we see your details.

Who must carry workers' comp in Florida

Florida sets a lower bar for construction than for other businesses. A construction business with one or more employees must carry workers' comp. Outside construction, the rule starts at four employees.

In both cases the count includes owners who are corporate officers or LLC members.

Construction and subcontractor rules in Florida

A construction company can have no more than three officers exempt from coverage. Each must own at least 10 percent of the company and apply to the state, with a $50 fee.

If your subcontractor has no workers' comp, Florida treats the sub's workers as your employees, and you are responsible for their benefits if they are hurt.

What we need to quote

Send the items below. If you also work outside Florida, list each state and the payroll for work there.

We can't promise a price before we see your details. We will tell you what we found and what each quote assumed.

Annual payroll, split by the type of work each person does.
Number of full-time and part-time employees.
Years in business.
Claims in the past few years, or a note that there were none.
Whether your subcontractors carry their own workers' comp.

Your startup action list

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Annual payroll, split by the type of work each person does.
Number of full-time and part-time employees.
Years in business.
Claims in the past few years, or a note that there were none.
Whether your subcontractors carry their own workers' comp.

Use this guide for planning. Confirm requirements and current fees with the agencies serving your address. Coverage depends on the policy and insurer; this guide does not confirm that a particular operation is eligible.