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 2172
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $1.35 | — | NCCI FL Filing |
| 2025 | $1.32 | -2.2% ($0.03) | NCCI FL Filing |
| 2024 | $1.22 | -7.6% ($0.10) | NCCI FL −15.1% overall |
| 2023 | $1.28 | +4.9% (+$0.06) | NCCI FL Filing |
| 2022 | $1.37 | +7.0% (+$0.09) | 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
Tobacco Products Mfg- Includes Cigars & Cigarette
Tobacco products manufacturers, including those that produce cigars and cigarettes, fall under this classification, which encompasses various types of workers such as packers, wrappers, and machine operators. In Florida, this industry is generally considered high-risk due to the hazardous nature of the manufacturing process and the potential for workplace injuries and illnesses. Pay-as-you-go PEO workers compensation is a natural fit for this class, as it allows businesses to only pay premiums for the actual wages they pay their employees, providing a more predictable and cost-effective solution to managing workers comp expenses.
Quick Premium Estimate
Based on the 2026 filed rate of $1.35 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $675.00 | $56.25 |
| $100,000 | $1,350.00 | $112.50 |
| $200,000 | $2,700.00 | $225.00 |
| $500,000 | $6,750.00 | $562.50 |
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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