FLORIDA · /FLORIDA
Fla. Stat. §440.38.
Every Florida employer must secure the payment of workers compensation — Fla. Stat. §440.38. Construction employers, including plumbing, HVAC, electrical, and fire sprinkler contractors, are in at one employee, full time or part time. There is no four-employee threshold on a Florida jobsite. Coverage has to be a Florida policy or a Florida endorsement using Florida class codes and rules. If your renewal is more than 120 days out, get an indication now and hold it against the renewal offer when it lands. Inside 120 days, we can work a real quote.
Florida contractors: call 954-559-2652. Arizona and Utah stay on 602-529-5170.
Construction. 1 employee. That is the Florida threshold.
Fla. Stat. §440.38
Every employer shall secure the payment of compensation under this chapter: (a) By insuring and keeping insured the payment of such compensation with any stock company or mutual company or association or exchange, authorized to do business in the state. Any employer who meets the requirements of subsection (1) through a policy of insurance issued outside of this state must at all times, with respect to all employees working in this state, maintain the required coverage under a Florida endorsement using Florida rates and rules pursuant to payroll reporting that accurately reflects the work performed in this state by such employees.
What Florida requires
Construction employers with one or more employees must secure workers compensation. Fla. Stat. §440.38. Plumbing, HVAC, electrical, and fire sprinkler work is construction. An out-of-state policy is not enough unless Florida is endorsed with Florida class codes and rules. Non-construction shops are a different fact pattern; this page is written for contractors.
What we need from you
Nine questions. No ACORD form. No insurance vocabulary. Mod at 1.30 or under and premium under $50,000: we do not ask for loss runs. You never have to tell your current agent you are shopping.
What you get
An indication in one to two business days, reviewed and signed by a licensed principal of this agency. Hold it against the renewal. Inside 120 days, we can work a real quote. Direct-billed on Clear Spring paper. An indication is not a quote, not a binder, and it creates no coverage.
The trades we write in Florida
These are NCCI class codes, not rates. We will confirm the governing class from the work. We will not show an online premium, and we will not promise how an audit will split payroll.
NCCI 5183
Plumbing
NCCI 5537
HVAC
NCCI 5190
Electrical
NCCI 5188
Fire sprinkler
The contractor licence and the certificate
If you hold a Florida contractor licence and you have employees, you need workers compensation in force. We issue certificates as part of binding. A construction exemption for a corporate officer is not a policy covering payroll, and a general contractor will not accept an exemption in place of coverage on employees. Confirm an exemption in writing before you skip coverage. If you have W-2 employees, you are not exempt for those people.