Workers’ Comp Credits

Drug-free Workplace (5%)

Florida’s workers’ compensation law allows employers to qualify for a five percent discount on their workers’ compensation and employer’s liability insurance premiums by implementing a drug-free workplace program in accordance with certain requirements. Requirements include written policies and testing, among others. For most employers, this program is voluntary. However, an employer must establish a program if it contracts with the state government or local governments to provide construction, electrical or alarm system work.

In General, to qualify for the premium discounts, an employer must establish a drug-free workplace program that requires:
•     Job applicants to submit to testing following an offer of employment
•     Employees to submit to reasonable suspicion testing
•     Employees to submit to routinely scheduled employee fitness-for-duty testing
• Employees to submit to follow-up testing following their entrance into an employee assistance program or drug rehabilitation program (unless an employee voluntarily enters a program, then follow-up testing is optional).

Random testing is also allowed, though not required, for an employer to qualify for the premium discounts.

Other requirements include:
• Written policy statement
• Notice
• Medical Review Officer
• Testing Procedures
• Employee Protections

Download the application for Drug-Free Workplace Premium Credit via this link.

Safety Program (2%)

Florida employers are permitted to implement a Safety Program and are eligible to receive up to a 2% premium credit on a qualified program. It must be certified that the workplace safety program includes the following provisions:

Written safety policy and safety rules
Safety inspections
Preventative maintenance
Safety training
First aid
Accident investigation
Necessary record keeping
Download the employer certificate via this link.

Florida Contracting Classification Premium Adjustment Plan (FCCPAP)

The Florida Contractors Credit Premium Adjustment Program (FCCPAP) provides a Workers Compensation credit ranging between 5% and 25% of annual premium. The credit is for construction employers that pay their employees greater than the state average wage, as calculated by the Department of Financial Services. Workers Compensation classifications that are eligible for the credit include:

0042 5057 5222 5478 5610 6206 6306

0050 5059 5223 5479 5613 6213 6319

1322 5069 5348 5480 5645 6214 6325

2799 5102 5402 5491 5651 6216 6400

3365 5146 5403 5506 5703 6217 7538

3719 5160 5437 5507 5705 6229 7605

3724 5183 5443 5508 6004 6233 7855

3726 5188 5445 5509 6006F 6235 8227

5020 5190 5462 5535 6017 6236 9534

5022 5213 5472 5537 6018 6237 9554

5037 5215 5473 5551 6045 6251

5040 5221 5474 5606 6204 6252