Workers’ comp insurance cost for physician offices in Florida

Q: What does workers' comp cost physician offices in Florida?

Modeled from the 2024 filed manual rate of $0.25 per $100 of payroll: a <5-employee physician practice lands around $320–$1.3k per year before experience mods and schedule credits.

Q: What drives the rate up or down?

Three levers: payroll (the exposure base), claims history (the experience modifier), and schedule credits/debits the insurer applies. Physician-office work is NCCI class 8832 (Physician & Clerical) — the '& Clerical' is part of the class design, so receptionists and billing staff are rated in the same class as the clinical team rather than split out separately.

Published 2026-06-11 · by Brokly

Direct answer: Florida physician offices pay a filed workers’-comp manual rate of $0.25 per $100 of payroll (2024 filed rate) — the 31st-highest of 51 US jurisdictions. Modeled on real payrolls, most <5-employee physician offices land around $320–$1.3k/yr, before experience mods and schedule credits.

54% of FL physician offices have <5 employees — the chart below prices every size band from its own observed payroll.
Florida sits 31st of 51: WI pays more ($0.28), TX less ($0.20).
Workers’ comp is one of several coverages — see everything your physician practice needs in Florida →

What do Florida physician offices pay for workers’ comp?

Modeled annual premium across the real size distribution of FL physician offices

bar height = how many physician offices are that size · figures = modeled annual cost

typical · most FL physician offices

▼

<5 emp

≈$500/yr

5–9 emp

≈$1.5k/yr

10–19 emp

≈$3k/yr

20–49 emp

≈$6.9k/yr

50–99 emp

≈$17k/yr

100–249 emp

≈$38k/yr

SMALLER

MID-SIZE

LARGER

A <5-employee FL physician practice: modeled $320–$1.3k/yr in workers’-comp premium (that band’s own average wage, before experience mods and schedule credits). Bar heights show how many of the 19,994 FL physician offices fall in each size band.

Cohort: size distribution of 19,994 FL physician offices (Census CBP 2023); premiums modeled from one filed rate ($0.25/$100 payroll, 2024). Bands shown cover 19,921 of 19,994 establishments (99.6%) — 73 establishments in larger, very small-count, or data-suppressed size bands are not shown. 2023 payroll dollars, not inflation-adjusted. Illustrative benchmark — not a quote or coverage recommendation.

Filed manual rate (FL)

$0.25 / $100 payroll

as of 2024

Typical <5-employee physician practice (54% of FL)

$320–$1.3k / yr modeled

as of 2024 · CBP 2023

Sources: Oregon DCBS workers' compensation premium rate ranking study, June 2025 (calendar-year 2024 rates) (as of calendar year 2024, retrieved 2026-06-04) · US Census County Business Patterns 2023, state file (Offices of physicians (NAICS 621111)) (as of 2023, retrieved 2026-06-05)

How does Florida compare to nearby ranks?

Calculated manual rates, $ per $100 payroll, NCCI class 8832 (Physician & Clerical), 2024. See all 51 jurisdictions →

Rank	State	Rate / $100 payroll
27	Georgia	$0.28
28	Oregon	$0.27
29	Nebraska	$0.27
30	Iowa	$0.27
31	Florida	$0.25
32	South Dakota	$0.25
33	North Carolina	$0.25
34	Massachusetts	$0.23
35	Mississippi	$0.22

Sources: Oregon DCBS workers' compensation premium rate ranking study, June 2025 (calendar-year 2024 rates) (as of calendar year 2024, retrieved 2026-06-04)

Frequently asked questions

What does workers' comp cost physician offices in Florida?

Modeled from the 2024 filed manual rate of $0.25 per $100 of payroll: a <5-employee physician practice lands around $320–$1.3k per year before experience mods and schedule credits.

What drives the rate up or down?

Three levers: payroll (the exposure base), claims history (the experience modifier), and schedule credits/debits the insurer applies. Physician-office work is NCCI class 8832 (Physician & Clerical) — the '& Clerical' is part of the class design, so receptionists and billing staff are rated in the same class as the clinical team rather than split out separately.

Physician offices in nearby-ranked states: Iowa ($0.27) · North Carolina ($0.25) · Massachusetts ($0.23) · Oregon ($0.27)

Stay informed

We’ll notify you when we’re ready to benchmark your physician practice’s coverage.

No spam — one email.

Illustrative benchmark — not a quote or coverage recommendation. Figures are modeled from public filings and Census data for 19,994 Florida physician offices; your premium depends on your payroll, claims history, and carrier.