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 0052
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $2.89 | — | NCCI FL Filing |
| 2025 | $3.07 | +6.2% (+$0.18) | NCCI FL Filing |
| 2024 | $3.19 | +3.9% (+$0.12) | NCCI FL −15.1% overall |
| 2023 | $4.00 | +25.4% (+$0.81) | NCCI FL Filing |
| 2022 | $4.27 | +6.7% (+$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
Grove & Orchid Owners & Operaters
Grove and orchid owners and operators are typically small to medium-sized businesses that cultivate and harvest these crops, and often employ seasonal workers. This class carries a moderate risk profile, with an average loss cost and frequency that can be influenced by factors such as weather conditions, pests, and disease. A pay-as-you-go PEO workers comp plan is a natural fit for these businesses, allowing them to pay only for the benefits as they are used, providing a more predictable and cost-effective way to manage their workers comp expenses.
Quick Premium Estimate
Based on the 2026 filed rate of $2.89 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $1,445.00 | $120.42 |
| $100,000 | $2,890.00 | $240.83 |
| $200,000 | $5,780.00 | $481.67 |
| $500,000 | $14,450.00 | $1,204.17 |
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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