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 0035
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $1.96 | — | NCCI FL Filing |
| 2025 | $2.17 | +10.7% (+$0.21) | NCCI FL Filing |
| 2024 | $2.12 | -2.3% ($0.05) | NCCI FL −15.1% overall |
| 2023 | $2.61 | +23.1% (+$0.49) | NCCI FL Filing |
| 2022 | $2.84 | +8.8% (+$0.23) | 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 Florists & Drivers
Farm Florists & Drivers in Florida often employ seasonal workers and independent contractors for flower delivery and other related tasks, which can be a challenge in managing workers compensation premiums. The general risk profile for this industry is relatively low, with a moderate risk for accidents due to vehicle use and some physical labor. A pay-as-you-go PEO workers compensation solution is a natural fit for these businesses, providing real-time premium management and cash flow protection without the need for large upfront deposits.
Quick Premium Estimate
Based on the 2026 filed rate of $1.96 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $980.00 | $81.67 |
| $100,000 | $1,960.00 | $163.33 |
| $200,000 | $3,920.00 | $326.67 |
| $500,000 | $9,800.00 | $816.67 |
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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