Welcome to the FWCJUA Pricing Tool. This tool was created to assist you in estimating FWCJUA workers compensation insurance premium for Employers. We hope that the pricing tool will be of assistance in determining the costs for this important line of coverage. While this tool cannot develop the definitive premium and is not intended to cover all rules and exceptions, it does calculate a premium based on most class code and payroll situations. The pricing tool also allows for the calculation of "what if" scenarios by giving you the ability to adjust payroll information, experience modification, ARAP surcharge and increased limits of Employers Liability Insurance that is available through the FWCJUA. The application will also perform an elementary verification that the entered payrolls are sufficient for sole proprietors, partners or officers that elect to be covered.

Certain factors that may affect an employer's premium are not contemplated by the tool. These include Florida Drug Free Workplace Premium Credit, FCCPAP, and the Employer Safety Premium Credit. Please note that the FWCJUA rates used in the calculation are the current rates for use in the FWCJUA and any revision of those rates will be updated as quickly as possible. This tool does not contemplate any pending rate level changes that may affect future premium calculations.

To complete an FWCJUA APPLICATION FOR COVERAGE, follow this link:  

Tier1 Eligibility Criteria

Eligibility Criteria for Rated Employers: The Employer meets all of the following through the date immediately preceding the inception or renewal date of the Employer's coverage: (1) the experience modification is less than 1.00 and (2) no lost-time claims subsequent to the applicable experience rating period and (3) total medical-only claims subsequent to the applicable experience rating period did not exceed 20% of premium.

Eligibility Criteria for Non-Rated Employers: The Employer meets all of the following for the 3-year period immediately preceding the inception date or renewal date of the Employer's coverage: (1) no lost-time claims and (2) total medical-only claims did not exceed 20% of premium and (3) workers compensation coverage was secured for the entire 3 years and (4) provides the entire loss history with corresponding policy premium generated by prior workers compensation Insurer(s) and (5) is not a new business.
 

Eligibility Criteria for Rated Employers: The Employer meets all of the following through the date immediately preceding the inception or renewal date of the Employer's coverage: (1) the experience modification is equal to or greater than 1.00 but less than or equal to 1.10 and (2) no lost-time claims subsequent to the applicable experience rating period and (3) medical-only claims that do not exceed 20% of premium subsequent to the applicable experience rating period.

Eligibility Criteria for Non-Rated Employers: The Employer is (1) a new business or (2) less than an immediately preceding 3 years of loss experience with (a) no lost-time claims for the immediately preceding 3 years and (b) medical-only claims that do not exceed 20% of premium for the immediately preceding 3 years.

Tier3 Eligibility Criteria

Eligibility Criteria: Insureds within the plan that are not eligible for Tier One or Tier Two.