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 1005
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $3.57 | — | NCCI FL Filing |
| 2025 | $4.00 | +12.0% (+$0.43) | NCCI FL Filing |
| 2024 | $4.10 | +2.5% (+$0.10) | NCCI FL −15.1% overall |
| 2023 | $4.81 | +17.3% (+$0.71) | NCCI FL Filing |
| 2022 | $5.85 | +21.6% (+$1.04) | 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
Coal Excavating or Mining Surface & Drivers
Coal excavating or mining surface and drivers in Florida are typically high-risk workers who face hazards such as equipment malfunctions and environmental exposures. This class code often encompasses mining contractors, heavy equipment operators, and other laborers working in open-pit or surface mining operations. A pay-as-you-go PEO workers comp solution is a natural fit for these businesses due to the high volatility of their workers comp claims, providing a more cost-effective and flexible approach to managing their liability.
Quick Premium Estimate
Based on the 2026 filed rate of $3.57 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $1,785.00 | $148.75 |
| $100,000 | $3,570.00 | $297.50 |
| $200,000 | $7,140.00 | $595.00 |
| $500,000 | $17,850.00 | $1,487.50 |
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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