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 2802
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $3.38 | — | NCCI FL Filing |
| 2025 | $3.86 | +14.2% (+$0.48) | NCCI FL Filing |
| 2024 | $4.01 | +3.9% (+$0.15) | NCCI FL −15.1% overall |
| 2023 | $4.93 | +22.9% (+$0.92) | NCCI FL Filing |
| 2022 | $5.40 | +9.5% (+$0.47) | 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
Carpentry - Shop Only - & Drivers
For carpentry shop operations with drivers, this classification encompasses workers involved in manufacturing and assembling of wood products, cabinetry, furniture, and other wood items, as well as drivers who transport goods to and from job sites. The general risk profile for this class in Florida typically involves moderate to high exposure to work-related injuries, particularly strains and sprains due to manual labor, as well as some risk of accidents while driving or operating equipment. Pay-as-you-go workers' compensation through a PEO like GarrettRichard is a natural fit for this class, as it allows businesses to control costs and cash flow while providing a stable and reliable workers' comp solution.
Quick Premium Estimate
Based on the 2026 filed rate of $3.38 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $1,690.00 | $140.83 |
| $100,000 | $3,380.00 | $281.67 |
| $200,000 | $6,760.00 | $563.33 |
| $500,000 | $16,900.00 | $1,408.33 |
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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