Welcome to the FWCJUA Pricing Tool. This tool was created to help you calculate the workers compensation insurance premium for employers that have obtained, or that may need to obtain, coverage through the FWCJUA. We hope that the pricing tool will be of assistance in determining the costs for this important line of coverage. While this program 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 increase 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. You need to be aware of any pending rate level changes that may affect future premium calculations.

Please reference the Instructions for more detailed information.

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 through the FWCJUA: (1) the experience modification is below 1.00, and (2) the employer had no lost-time claims subsequent to the applicable experience rating period, and (3) the total of the employer's 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 through the FWCJUA: (1) the employer had no lost-time claims, and (2) the total of the employer's medical-only claims did not exceed 20% of premium, and (3) the employer secured workers compensation coverage for the entire 3 years, and (4) the employer provides his or her loss history generated by his or her prior workers compensation insurer(s), and (5) the employer 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 through the FWCJUA: (1) the experience modification is equal to or greater than 1.00 but not greater than 1.10, and (2) the employer had no lost-time claims subsequent to the applicable experience rating period, and (3) the total of the employer's medical-only claims subsequent to the applicable experience rating period did not exceed 20% of premium.

Eligibility Criteria for Non-Rated Employers: The employer is a new business or has less than 3 years of loss experience in the 3-year period immediately preceding the inception date or renewal date of the employer's coverage through the FWCJUA provided 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 through the FWCJUA: (a) the employer had no lost-time claims, and (b) the total of the employer's medical-only claims did not exceed 20% of premium, and (c) the employer provides his or her loss history generated by his or her prior workers compensation insurer(s).

Tier3 Eligibility Criteria

Eligibility Criteria: The employer does not meet the eligibility criteria for Tier 1 or Tier 2.