Florida 2026 Filed Rate
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 0008
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $2.51 | — | NCCI FL Filing |
| 2025 | $2.60 | +3.6% (+$0.09) | NCCI FL Filing |
| 2024 | $2.73 | +5.0% (+$0.13) | NCCI FL −15.1% overall |
| 2023 | $3.30 | +20.9% (+$0.57) | NCCI FL Filing |
| 2022 | $3.57 | +8.2% (+$0.27) | Historical |
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
Farm: Gardening-Market or Truck- & Drivers
GarrettRichard clients classified under Farm: Gardening-Market or Truck- & Drivers cover a diverse range of businesses, including small-scale produce farms, roadside produce stands, and trucking companies transporting fresh produce to markets. This class typically carries a moderate risk profile in Florida, with exposure to accidents involving heavy equipment, vehicle collisions, and potential crop loss or theft. Pay-as-you-go workers comp is a natural fit for these businesses, allowing them to manage cash flow and avoid front-loaded premium costs associated with traditional workers comp insurance policies.
Quick Premium Estimate
Based on the 2026 filed rate of $2.51 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $1,255.00 | $104.58 |
| $100,000 | $2,510.00 | $209.17 |
| $200,000 | $5,020.00 | $418.33 |
| $500,000 | $12,550.00 | $1,045.83 |
These are estimates based on the filed rate only and do not include SUTA, admin fees, or other charges. Get a full itemized quote →
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