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:

      1. Written safety policy and safety rules
      2. Safety inspections
      3. Preventative maintenance
      4. Safety training
      5. First aid
      6. Accident investigation
      7. 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

How are Workers Compensation premium credits calculated?

Visit our Workers Compensation Premium Calculation page to use our Workers Compensation premium estimator and view a sample calculation.

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HOW CAN WE SERVE YOU?

CALL | 561-571-1001

EMAIL | [email protected]

HOW CAN WE SERVE YOU?

CALL | 561-571-1001

EMAIL | [email protected]

HOME OFFICE

Biscayne Risk Group Inc.

5571 N. University Dr. Ste. 101

Coral Springs, FL 33067

Phone | 561-571-1001

Email | [email protected]

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HOME OFFICE

Biscayne Risk Group Inc.

5571 N. University Dr. Ste. 101

Coral Springs, FL 33067

Phone | 561-571-1001

Email | [email protected]