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 2174
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $2.30 | — | NCCI FL Filing |
| 2025 | $2.49 | +8.3% (+$0.19) | NCCI FL Filing |
| 2024 | $2.35 | -5.6% ($0.14) | NCCI FL −15.1% overall |
| 2023 | $2.58 | +9.8% (+$0.23) | NCCI FL Filing |
| 2022 | $2.73 | +5.8% (+$0.15) | 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 Warehousing- Tobacco Auction Houses
Tobacco warehousing and auction house operations in Florida often involve physically demanding work, such as loading and unloading goods, and handling large quantities of tobacco, which contributes to a higher risk profile for injuries and workers' compensation claims. Businesses in this sector may face unique challenges, including handling hazardous materials and dealing with fluctuating inventory levels, making pay-as-you-go PEO workers' compensation a natural fit to help manage these risks. A pay-as-you-go PEO model can help these businesses better navigate their workers' comp premiums and reduce their financial burden.
Quick Premium Estimate
Based on the 2026 filed rate of $2.30 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $1,150.00 | $95.83 |
| $100,000 | $2,300.00 | $191.67 |
| $200,000 | $4,600.00 | $383.33 |
| $500,000 | $11,500.00 | $958.33 |
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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