What Florida requires

Florida requires coverage for non-construction businesses with four or more employees and construction businesses with one or more — with strictly enforced exemption rules. Employers report injuries to their carrier within 7 days, and the state’s coverage and exemption database is publicly searchable.

Industries we insure in Jacksonville

Jacksonville’s economy fits our programs:

• Offices & professional services — the financial back-office capital of the South
• Janitorial & cleaning — crews serving office and logistics space
• Auto repair shops — a sprawling, driving city’s demand
• Restaurants — the Riverside and beaches scenes
• Real estate offices — the First Coast growth market

Jacksonville workers’ comp rates

Florida is administered pricing — every carrier charges the same OIR-approved rates, down 6.9% effective January 1, 2026 (the ninth straight cut). Our Florida rates guide lists the actual class rates.

Jacksonville rates on Florida’s uniform approved tables — down 6.9% January 2026 (clerical $0.11, restaurants $1.16 per $100). Since the rate is fixed, dividends and exemption/classification accuracy are where Jacksonville accounts win.

How we work for Jacksonville employers

• One application, a dozen A-rated carriers — including specialty markets that actively want your class of business
• Pay-as-you-go billing — premium follows your actual payroll instead of an annual estimate
• Same-day certificates — when a contract, lease, or license is waiting on proof of coverage
• Classification and mod reviews — the two levers that quietly decide what Jacksonville businesses overpay
• Ghost policies — for owner-only operations that just need compliant proof of coverage

Jacksonville workers’ comp FAQs

Can I shop for a cheaper rate in Jacksonville?

Not on the base rate — Florida’s administered pricing fixes it statewide. What varies: dividend plans, audit treatment, and whether your classifications and construction exemptions are handled correctly. That’s the comparison we run.

Do JaxPort-adjacent businesses need extra coverage?

Waterfront-touching operations may need federal Longshore coverage beyond state comp — we screen port-adjacent accounts as standard.

How do Florida construction exemptions work?

Construction businesses need coverage from one employee, with officer exemptions tightly limited and publicly verifiable — misused exemptions are Florida’s most common comp violation, and we set them up correctly.

More Florida resources

Workers’ comp in Tampa · Workers’ comp in Orlando · Workers’ comp in Miami · Florida guide · Florida rates · Florida forms