FL Comp Code: 6828

Florida workers' comp rates are filed with NCCI and approved by the Florida Office of Insurance Regulation. Rates shown are per $100 of gross payroll.

Rate History — Code 6828

Florida workers' comp rates have generally declined. In 2024, NCCI secured an overall -15.1% rate reduction (approved by FLOIR), one of the largest reductions in Florida history.

Code Description

Boat Building & Repair- Fiberglass Only including Dealears

Workers' compensation class code 6828 — "Boat Building & Repair- Fiberglass Only including Dealears" — covers workers in Florida's maritime, shipbuilding, boat repair, and port operations industries. Florida's extensive coastline, major deepwater ports (Port Miami, Port Tampa, Port Everglades, Port Canaveral), and large recreational boating market create substantial employment in this classification.

The 2025 Florida rate for code 6828 is $4.72 per $100 of payroll. Rate history: 2022: $6.49, 2023: $5.58, 2024: $5.03, 2025: $4.72. Rates for this code have declined 27.3% since 2022 — part of Florida's broader workers' comp market improvement driven by tort reform and loss-cost reductions approved by FLOIR. Maritime workers face unique occupational hazards including falls overboard, crush injuries from heavy machinery, exposure to marine coatings and solvents, and the physical demands of ship repair and cargo handling. Some maritime workers are covered under the federal Longshore and Harbor Workers' Compensation Act (LHWCA) rather than Florida state workers' comp — proper coverage determination is critical.

Florida shipyards and marine contractors must determine whether employees are covered under federal LHWCA or Florida state workers' comp, as coverage requirements and benefit levels differ significantly. OSHA's shipyard standards (29 CFR Part 1915) apply to most vessel repair and construction operations. Confined space entry procedures, fall protection, and fire watch programs are all mandatory.

Given the complexity of maritime coverage determinations and the high loss costs in this classification, most Florida marine employers benefit from working with a workers' comp specialist or PEO with maritime industry experience. Proper documentation of employee duties — distinguishing between dockside, waterside, and office functions — is essential for accurate classification and premium management.

Quick Premium Estimate

Based on the 2026 filed rate of $4.12 per $100 of payroll:

These are estimates based on the filed rate only and do not include SUTA, admin fees, or other charges. Get a full itemized quote →