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 2797
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $3.82 | — | NCCI FL Filing |
| 2025 | $4.06 | +6.3% (+$0.24) | NCCI FL Filing |
| 2024 | $4.29 | +5.7% (+$0.23) | NCCI FL −15.1% overall |
| 2023 | $6.04 | +40.8% (+$1.75) | NCCI FL Filing |
| 2022 | $7.20 | +19.2% (+$1.16) | 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
Factory: Modular or Pre Fab Homes
Factory workers constructing modular or pre-fab homes are typically classified under this code, which encompasses various skilled labor positions involved in manufacturing, assembly, and installation of prefabricated components. The Florida risk profile for this industry reflects a moderate to high exposure to workplace injuries, particularly due to the manual labor and machinery involved in construction processes. Pay-as-you-go PEO workers' compensation is a natural fit for this class, as it allows businesses to manage their premiums in real-time, aligning their costs with their actual payroll and risk levels.
Quick Premium Estimate
Based on the 2026 filed rate of $3.82 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $1,910.00 | $159.17 |
| $100,000 | $3,820.00 | $318.33 |
| $200,000 | $7,640.00 | $636.67 |
| $500,000 | $19,100.00 | $1,591.67 |
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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