Drug-Free Workplace Program
Establishing a drug-free workplace program is an important step in helping maintain employee health and morale. It can result in reduced accidents, injuries, and illnesses, which in turn may lower your workers’ compensation premium. Some states even offer a premium credit for establishing a drug-free workplace program. See below for information on the states in our footprint where the credit is available and for educational resources for your business.
Training Materials
To help your business implement a drug-free workplace program and review the requirements for a premium credit in your state, we’ve developed training materials for on-demand access.
- Drug-Free Workplace Program and Premium Credit – PowerPoint Presentation
- Drug-Free Workplace Program and Premium Credit – Training Manual
You can access training materials specific to certain states in section below.
Alabama
Alabama offers a 5% workers’ compensation premium credit to employers who implement and maintain a certified drug‑free workplace program. Ala. Code § 25-5-332(a), (b) (2026). To qualify, employers must meet the requirements in §§ 25‑5‑330 through 25-5-340 and Ala. Admin. Code 480-5-6-.01 through 480-5-6-.04 (2026).
Once approved, please send your certification to Summit so we can process your premium credit:
Email to [email protected]; or mail to Summit, Attention: Loss Prevention, PO Box 988, Lakeland, FL 33802.
Annual recertification is required by the certificate’s annual end date.
- Drug-Free Workplace Premium Credit Application
- Drug-Free Workplace Sample Program (Click on Drug-Free Way to Be Guide for sample program.)
Arkansas
Arkansas offers a 5% workers’ compensation premium discount to employers who establish and maintain a certified drug‑free workplace program that is in compliance with Ark. Code Ann. §§ 11‑14‑101 through 11-14-112 (West 2026) and Code Ark. R. 099.00.1-099.36 (2026).
Once approved, please send your certification to Summit so we can process your premium credit:
Email to [email protected]; or mail to Summit, Attention: Loss Prevention, PO Box 988, Lakeland, FL 33802.
Annual recertification is required by the certificate’s annual end date.
Florida
Florida allows employers to receive a 5% workers’ compensation premium credit when they implement and maintain a drug‑free workplace program that meets the requirements of Fla. Stat. Ann §§ 440.101, 440.102, 627.0915 (West 2026), and Fla. Admin. Code Ann. r. 59A-24.003 (2026).
Please submit a completed application to Summit:
Email to [email protected]; or mail to Summit, Attention: Loss Prevention, PO Box 988, Lakeland, FL 33802.
To re-qualify for this credit, be sure to send in a new form before your policy renews annually.
- Drug-Free Workplace Premium Credit Application
- Drug-Free Workplace Sample Program
- Drug-Free Workplace Sample Program Spanish
Training materials: To help your business implement a drug-free workplace program and review the requirements for a premium credit in Florida, we’ve developed training materials for on-demand access.
- Florida Drug-Free Workplace Program and Premium Credit – Download PowerPoint Presentation
- Florida Drug-Free Workplace Program and Premium Credit – Download Training Manual
When applying for the drug-free workplace program premium credit, you will need to include a testing lab in your application. View the Agency for Health Care Administration (AHCA) licensed testing labs. For detailed instructions on how to navigate the AHCA website, refer to this flyer.
Georgia
Georgia offers employers a 7.5% reduction on workers’ compensation premiums when they obtain a drug‑free workplace certification by the Georgia State Board of Workers’ Compensation in compliance with Ga. Code Ann. §§ 34-9-412, 34-9-413(a), (b), and 33-9-40.2(a), (b) (West 2026).
Once approved, please send your certification to Summit so we can process your premium credit:
Email to [email protected]; or mail to Summit, Attention: Loss Prevention, PO Box 988, Lakeland, FL 33802.
Annual recertification is required by the certificate’s end date.
Kentucky
Kentucky offers employers a 5% workers’ compensation premium credit for establishing and maintaining a certified drug‑free workplace program. See Ky. Rev. Stat. Ann. § 304.13-167(6) (West 2026). The voluntary program is governed by 803 Ky. Admin. Regs. 25:280 (2026) and administered by the Kentucky Department of Workers’ Claims.
Once approved, please send your certification to Summit so we can process your premium credit:
Email to [email protected]; or mail to Summit, Attention: Loss Prevention, PO Box 988, Lakeland, FL 33802.
Annual recertification is required by the certificate’s end date.
Mississippi
Mississippi allows insurers to grant employers a 5% workers’ compensation premium credit if the employer certifies that it maintains a drug‑free workplace program that complies with the Drug‑Free Workplace Workers’ Compensation Premium Reduction Act (Miss. Code Ann. §§ 71‑3‑201 through 71–3-225 (West 2026), the Employee Drug & Alcohol Testing Law (§§ 71‑7-1 through 71-7-33), and Mississippi State Department of Health regulations (15 Code Miss. R. Pt. 16, Subpt. 1, R. 53.1 through R. 53.9). See §§ 71-3-207 & 71-3-209.
Please submit a completed application to Summit for review:
Email to [email protected]; or mail to Summit, Attention: Loss Prevention, PO Box 988, Lakeland, FL 33802.
To re-qualify for this credit, be sure to send in a new form before your policy renews annually.
Oklahoma
Oklahoma allows employers a 5% workers’ compensation premium credit when they implement a drug‑free workplace program that meets state requirements based on Okla. Stat. Ann. tit. 40, §§ 551 through 563 (West 2026) & Okla. Admin. Code 310:638-1-1 through 310:638-1-10 (2026).
Please submit a completed application to Summit for review:
Email to [email protected]; or mail to Summit, Attention: Loss Prevention, PO Box 988, Lakeland, FL 33802.
To re-qualify for this credit, be sure to send in a new form before your policy renews annually.
South Carolina
South Carolina allows insurers to grant employers a 5% credit on workers’ compensation insurance premiums when they maintain a certified drug‑free workplace program under S.C. Code Ann. § 38‑73‑500(B) (2026), administered through the South Carolina Department of Insurance.
Please submit a completed application to Summit for review:
Email to [email protected]; or mail to Summit, Attention: Loss Prevention, PO Box 988, Lakeland, FL 33802.
To re-qualify for this credit, be sure to send in a new form before your policy renews annually.
Tennessee
Tennessee allows employers a 5% workers’ compensation premium credit when they implement and maintain a certified drug‑free workplace program. See Tenn. Code Ann. § 50-6-418(a)(1) (West 2026). The program is established under T.C.A. §§ 50‑9‑101 through § 50‑9‑111, § 50-6-418, Tenn. Comp. R. & Regs. 0800-02-12-.01 through 0800-02-12-.14 (2026), and is administered by the Tennessee Department of Labor, Division of Workers’ Compensation.
Once approved, please send your certification to Summit so we can process your premium credit:
Email to [email protected]; or mail to Summit, Attention: Loss Prevention, PO Box 988, Lakeland, FL 33802.
Annual recertification is required by the certificate’s end date.
Virginia
Virginia allows insurers to provide employers a 5% discount on workers’ compensation insurance premiums when they maintain a certified drug‑free workplace program that meets the criteria established by the insurer. See Va. Code Ann. § 65.2‑813.2 (West 2026).
Please submit a completed application to Summit for review:
Email to [email protected]; or mail to Summit, Attention: Loss Prevention, PO Box 988, Lakeland, FL 33802.
To re-qualify for this credit, be sure to send in a new form before your policy renews annually.
Contact us
Email your questions or a request for one of our representatives to contact you to [email protected] or you may reach us by phone at 1-800-282-7648.