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 0016
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $3.60 | — | NCCI FL Filing |
| 2025 | $3.91 | +8.6% (+$0.31) | NCCI FL Filing |
| 2024 | $4.25 | +8.7% (+$0.34) | NCCI FL −15.1% overall |
| 2023 | $5.35 | +25.9% (+$1.10) | NCCI FL Filing |
| 2022 | $6.19 | +15.7% (+$0.84) | 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
Orchard & Drivers-Fruit Harvesting
For orchard and driver-fruit harvesting operations, workers comp coverage is crucial due to the physically demanding and potentially hazardous nature of the job, with a high risk of injuries from heavy equipment, falls, and other accidents. The risk profile for this type of business tends to be moderate to high, with a higher likelihood of workplace injuries and related claims. Pay-as-you-go PEO workers comp services can help these businesses manage their workers comp costs more effectively by only paying for coverage as they incur payroll, providing greater budget flexibility and reduced upfront costs.
Quick Premium Estimate
Based on the 2026 filed rate of $3.60 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $1,800.00 | $150.00 |
| $100,000 | $3,600.00 | $300.00 |
| $200,000 | $7,200.00 | $600.00 |
| $500,000 | $18,000.00 | $1,500.00 |
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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