Osceola County, Florida
Workers' compensation insurance in Osceola County
Osceola County's economy is built around Kissimmee's vacation-rental and short-term-rental market near the theme-park corridor, backed by a still-active ranching and agricultural heritage and fast-growing residential construction. Property managers, turnover cleaning crews, and hospitality employers make up a large share of local payrolls, and many of them cross the four-employee threshold with part-time and seasonal staff before they realize coverage is required.
Serving employers in Kissimmee, St. Cloud, Celebration, Poinciana, Campbell.
Osceola County rates by class code
Ordered to lead with the trades that dominate Osceola County: Property management, Janitorial / turnover cleaning, Hotels, Restaurants, Retail.
| Class code | Description | Rate per $100 payroll |
|---|---|---|
| 9012 | Property Management — Managers | $0.61 |
| 9014 | Janitorial / Cleaning Services | $2.45 |
| 9052 | Hotel — All Employees | $1.56 |
| 9082 | Restaurant NOC | $1.16 |
| 9083 | Restaurant — Fast Food | $1.20 |
| 8017 | Retail Store NOC | $1.18 |
| 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 Osceola County claim scenario
A vacation-rental turnover crew member in Kissimmee strains her shoulder wrestling a pull-out sofa bed back into place between back-to-back guest stays during a busy holiday week. Short-term rental turnover work means repeated heavy lifting on a tight same-day schedule, and it's a fast-growing source of workers' comp exposure in a county where vacation rentals make up such a large share of the local economy.
Quote a Osceola County policy
Tell us your trade, payroll, and headcount. We shop Osceola County employers a direct workers' comp policy.