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 1803
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $4.58 | — | NCCI FL Filing |
| 2025 | $5.04 | +10.0% (+$0.46) | NCCI FL Filing |
| 2024 | $5.36 | +6.3% (+$0.32) | NCCI FL −15.1% overall |
| 2023 | $6.61 | +23.3% (+$1.25) | NCCI FL Filing |
| 2022 | $7.18 | +8.6% (+$0.57) | 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
Stone Cutting or Polishing & Drivers
As a PEO agency, GarrettRichard works with stone cutting or polishing businesses, as well as drivers who transport heavy stone or equipment, to manage their workers' compensation needs. These businesses often have fluctuating workloads, making it challenging to estimate premiums, which is a key advantage of pay-as-you-go workers comp. With pay-as-you-go coverage, these businesses can pay premiums in real-time, aligning their costs with actual payroll and reducing financial uncertainty.
Quick Premium Estimate
Based on the 2026 filed rate of $4.58 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $2,290.00 | $190.83 |
| $100,000 | $4,580.00 | $381.67 |
| $200,000 | $9,160.00 | $763.33 |
| $500,000 | $22,900.00 | $1,908.33 |
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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