Orange County, Florida
Workers' compensation insurance in Orange County
Orange County's employer mix leans heavily on hospitality, food service, retail, janitorial, and the trades that keep hotels and attractions running — HVAC, electrical, plumbing, and interior build-out. Many of these businesses cross the four-employee threshold quickly with part-time and seasonal staff, which is the most common reason an Orlando-area owner discovers they have been uninsured.
Serving employers in Orlando, Winter Garden, Apopka, Ocoee, Winter Park.
Orange County rates by class code
Ordered to lead with the trades that dominate Orange County: Hotels, Restaurants, Retail, Janitorial, Property management.
| Class code | Description | Rate per $100 payroll |
|---|---|---|
| 9052 | Hotel — All Employees | $1.56 |
| 9082 | Restaurant NOC | $1.16 |
| 9083 | Restaurant — Fast Food | $1.20 |
| 8017 | Retail Store NOC | $1.18 |
| 9014 | Janitorial / Cleaning Services | $2.45 |
| 9012 | Property Management — Managers | $0.61 |
| 5645 | Carpentry — Residential (1-2 Family) | $7.69 |
| 5403 | Carpentry NOC | $4.36 |
| 5537 | HVAC Installation, Service & Repair | $3.00 |
| 5190 | Electrical Wiring — Within Buildings | $2.97 |
| 5183 | Plumbing NOC | $2.74 |
| 5102 | Door & Window Installation | $4.78 |
2026 Florida NCCI statewide rates. Every policy also includes a $160 expense constant. Rates don't vary by county — carrier credits/debits and your experience mod adjust the final premium.
Who needs coverage
The same Florida thresholds apply countywide.
| Industry | Coverage required at | Details |
|---|---|---|
| Non-construction | 4 or more employees | Full-time or part-time, counted together. Corporate officers and LLC members count unless properly exempted.Full-time or part-time, counted together. Corporate officers and LLC members count unless properly exempted. |
| Construction | 1 or more employees | Coverage is required from the first employee, including most subcontractors working without their own policy.Coverage is required from the first employee, including most subcontractors working without their own policy. |
| Agriculture | 6 or more regular employees | Or 12 or more seasonal workers employed for more than 30 days in a season.Or 12 or more seasonal workers employed for more than 30 days in a season. |
A Orange County claim scenario
A housekeeping staffer at a mid-size Orlando-area hotel throws out her lower back after several years of daily mattress-flipping and heavy linen carts, and the injury finally becomes disabling on a Tuesday morning shift. It's a slower-building claim than a fall or a burn, but repetitive-strain and overexertion injuries like this are one of the most common categories in hospitality housekeeping, and they can be just as costly in physical therapy and lost wages as a single acute accident.
Quote a Orange County policy
Tell us your trade, payroll, and headcount. We shop Orange County employers a direct workers' comp policy.