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 0042
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $4.14 | — | NCCI FL Filing |
| 2025 | $4.63 | +11.8% (+$0.49) | NCCI FL Filing |
| 2024 | $4.81 | +3.9% (+$0.18) | NCCI FL −15.1% overall |
| 2023 | $5.83 | +21.2% (+$1.02) | NCCI FL Filing |
| 2022 | $6.69 | +14.8% (+$0.86) | 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
Landscaping
Landscaping businesses in Florida, such as residential and commercial lawn care services, tree trimming, and gardening operations, fall under this class code. The general risk profile for these businesses can be moderate to high due to the physical demands of the work and potential exposure to outdoor hazards. Pay-as-you-go PEO workers comp is a natural fit for landscaping businesses in Florida due to the fluctuating workforce needs and varying seasonal demands, requiring more flexible and cost-effective comp solutions.
Quick Premium Estimate
Based on the 2026 filed rate of $4.14 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $2,070.00 | $172.50 |
| $100,000 | $4,140.00 | $345.00 |
| $200,000 | $8,280.00 | $690.00 |
| $500,000 | $20,700.00 | $1,725.00 |
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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