- Construction employers with 1+ employee generally must carry coverage (non-construction: 4+).
- Premiums are quoted per $100 of payroll by NCCI class code.
- Roofing (class code 5551) is Florida’s hardest trade to place.
- Officer/LLC construction exemptions are capped at three per business.
- A certificate of insurance (COI) proves your coverage is active for GCs.
For Florida’s high-risk trades, the difference between a fair premium and an overcharge usually comes down to two things: being placed in the correct class code and documenting payroll accurately. WorkCompTeam focuses on the contractors standard carriers avoid — roofing, construction, tree removal, demolition, HVAC, electrical and trucking — and lines up a clean quote review so you can compare real options instead of guessing.
How to request a Florida workers comp quote review
- 1. Tell us about your businessShare your trade, city, payroll size and how many employees or subcontractors you use.
- 2. We line up a clean comparisonWe organize and classify your details so carriers can quote the same scope, apples-to-apples.
- 3. You review your optionsYou get a straight look at your Florida workers’ comp options — no pressure, no obligation.
Authority: Florida workers’ compensation is governed by Florida Statutes Chapter 440 and administered by the Florida Division of Workers’ Compensation. See also our workers comp services and Florida workers comp FAQ.
Built for the trades carriers call "high-risk"
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No jargon, no pressure — just Florida-specific help getting the right workers comp in place so you can pull permits, satisfy GCs, and win the next job.
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We line up your details for a clean quote comparison.
Exemption guidance
Understand Florida officer/LLC exemptions the right way.
Class-code help
Get placed in the correct code so you are not overpaying.
COI support
Certificates ready when the GC or client asks.
Serving contractors across South & Central Florida
Local guidance from the Treasure Coast down through Miami-Dade.
Florida workers comp, in plain English
It covers medical bills and lost wages when an employee is hurt on the job. In the construction industry, most employers must carry coverage, and your price is driven by your class code and payroll — not guesswork.
An exemption lets certain corporate officers or LLC members opt out of coverage on themselves. Construction exemptions are limited and must be filed with the state — we help you understand whether one fits your setup.
It is the one-page proof of active coverage that general contractors and clients ask for before you start. We help you request and understand yours.
In Florida construction, sole proprietors and independent contractors are generally treated as employees for workers comp unless a valid exemption is on file — so most still need coverage or an exemption.
Tell us about your business
Send your details and we will line up a workers comp quote review for your trade and city. No pressure, no obligation.
- ✅ High-risk industries welcome
- ✅ Florida-focused guidance
- ✅ COI & exemption support
Declined or overpaying on workers comp?
Get a straight, Florida-focused quote review for your trade — roofing, construction, trees, HVAC, and every other high-risk industry.
Get My Free Quote ReviewPeople Also Ask
How much does workers comp cost for a Florida roofer?
Roofing uses one of Florida’s highest-rated class codes (NCCI 5551), so the premium per $100 of payroll is far above most trades. Your exact price still depends on payroll, experience modifier and how your crew is classified — which is why a proper quote review matters.
Can a contractor be exempt from workers comp in Florida?
Corporate officers and LLC members in the construction industry can file an exemption on themselves, but Florida limits construction exemptions to a maximum of three per business, and the exemption must be filed with the state. Employees are never exempt.
What happens if a Florida contractor doesn’t carry required workers comp?
The state can issue a stop-work order that shuts the business down and assess a penalty of twice the premium the employer avoided. General contractors can also refuse to let you on the job without a valid certificate of insurance.
Last updated: July 2026 · WorkCompTeam — Florida workers’ compensation lead generation. Not legal or insurance advice.