Workers' Comp Insurance for Trucking Businesses in Florida

Local trucking (NCCI 7228) and long-distance (7229) are differentiated by operating radius. Owner-operators may be exempt as sole proprietors but most freight brokers require coverage. Loading and unloading drives most claims in Florida. The Florida workers' compensation market is governed by NCCI, and the average rate statewide is approximately $1.42 per $100 of payroll.

Florida requirements for trucking businesses

When required: Required for non-construction employers with 4+ employees, construction with 1+, agricultural with 6+ regular or 12+ seasonal employees.

Sole proprietors: Sole proprietors in construction are NOT exempt — must have coverage. Non-construction sole props may be exempt..

Owner / officer exclusion: Construction owners can apply for exemption (max 3 per corp); non-construction can exempt up to 3 officers per corp.

Trucking class codes used in Florida

Why trucking workers' comp is tricky in Florida

Trucking is heavily regulated and most carriers require strict driver qualification files. New ventures (under 3 years operating) have very limited markets. We can place new ventures and rough loss histories.

Tips for Florida trucking companies

• ✓ Local vs long-haul = different rates; document operating radius
• ✓ Driver qualification files are required for renewal — keep them current
• ✓ Pay-as-you-go aligns premium with seasonal freight cycles
• ✓ Owner-operators may be exempt depending on state

Trucking workers' comp in other states

Rates and requirements for trucking companies vary widely by state. Compare Florida to other major markets:

Other industries in Florida

Florida workers' comp rates and requirements for other common industries: