PEO Services for Florida Contractors
Florida contractors face the highest workers' comp rates in the nation, complex multi-county payroll requirements, and relentless compliance demands. Key HR's PEO takes all of it off your plate — so you can focus on winning and completing projects.
Why Florida Contractors Are Switching to PEO
Florida's construction industry is booming — but it comes with a compliance burden that's crushing small and mid-size contractors. Workers' compensation rates for roofers, electricians, and general contractors in Florida are among the highest in the United States. Add in multi-county payroll taxes, OSHA requirements, and the constant threat of misclassification audits, and HR becomes a full-time job that takes you away from your actual business.
A PEO solves this by becoming the employer of record for payroll and HR purposes — pooling your workers with thousands of others to unlock group workers' comp rates, Fortune 500 benefits, and a dedicated HR team that knows Florida construction law inside and out.
Workers' Comp at Scale
Stop paying contractor-class workers' comp rates. Key HR's master policy covers your entire workforce at group rates — no deposits, no audits, no surprises.
Florida Contractor Compliance
Certificates of insurance, contractor licensing support, OSHA recordkeeping, and multi-county payroll tax filings — all handled by our Florida compliance team.
Payroll for Field Teams
Weekly or bi-weekly payroll for crews working across multiple Florida counties. Prevailing wage, certified payroll, and Davis-Bacon compliance included.
Benefits That Recruit
Offer health, dental, vision, and 401(k) that compete with the largest general contractors in Florida — without the administrative burden.
HR & Labor Law Support
Florida employment law, OSHA 300 logs, drug-free workplace programs, and employee handbooks tailored to the construction industry.
Job Costing Integration
Payroll data synced to your accounting system — QuickBooks, Sage, Foundation — so every labor dollar is allocated to the right job code.
Stop Overpaying for Workers' Comp
Florida requires workers' compensation coverage for virtually all contractors with one or more employees. For roofing contractors, the rate can exceed $40 per $100 of payroll. For electricians and plumbers, rates typically run $8–$18 per $100.
Key HR's master workers' comp policy pools thousands of employees across multiple industries. Your workers benefit from the group's combined claims history — dramatically lowering your effective rate regardless of your individual experience modification factor (EMR).
- ✓No large upfront deposits required
- ✓Pay-as-you-go — premiums calculated on actual payroll
- ✓No annual audit surprises
- ✓Certificates of insurance issued same-day
- ✓Claims management handled by Key HR
Typical Florida Contractor Workers' Comp Rates
Savings estimates based on Key HR client data. Individual results vary based on claims history and payroll size.
Florida Contractors Who Switched to Key HR
Mid-Size Roofing Contractor, Tampa Bay
Reduced workers' comp premiums by 31% in year one by joining Key HR's master policy.
Electrical Subcontractor, Orlando
Eliminated $85,000 in annual workers' comp deposit requirements and passed the savings to crew wages.
General Contractor, Miami-Dade
Achieved certified payroll compliance on a $4.2M public works project without hiring an in-house HR manager.
Contractor PEO FAQ
What is a PEO for contractors in Florida?+
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Ready to Cut Your Workers' Comp Bill?
Get a custom quote for your Florida contracting business in 24 hours. No obligation.