Florida workers compensation class codes change the rate applied to payroll

Florida workers compensation is not priced by headcount alone. A basic estimate starts with payroll divided by 100. That amount is then tied to the approved rate for the kind of work. Other policy changes may follow. A past-claims factor applies only when the employer meets the rules for one.

NCCI uses four-digit codes to describe the business and its risk of injury. The code is not simply each worker’s job title. Office staff, outside sales staff, and drivers may use standard exceptions when the rules allow it. A business should not split a worker’s duties or pick a cheaper code without review by the insurance company.

Give the agent a full account of the work, each site, payroll, outside crews, and leased staff. Describe what people do, not just the name of the business. This helps the insurance company choose the code from the real work.

The quote is still an estimate until the company audits the payroll and codes. Keep the application, quote, policy, payroll reports, job notes, outside-worker records, any exemptions, and the audit result. If the audit describes the business in a new way, ask the company or NCCI to explain the code before the next policy term.