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 3113
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $1.38 | — | NCCI FL Filing |
| 2025 | $1.59 | +15.2% (+$0.21) | NCCI FL Filing |
| 2024 | $1.61 | +1.3% (+$0.02) | NCCI FL −15.1% overall |
| 2023 | $1.93 | +19.9% (+$0.32) | NCCI FL Filing |
| 2022 | $1.99 | +3.1% (+$0.06) | 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
Tool & Saw
Tool and Saw class workers often involve skilled laborers in high-risk environments, such as equipment operators, mechanics, and fabricators, who may be at a higher risk for injuries involving heavy machinery and sharp objects. In Florida, this class typically carries a moderate to high risk profile due to the physical demands and potential hazards of the job. Pay-as-you-go PEO workers comp solutions from GarrettRichard can be a natural fit for this class, providing cost-effective and flexible coverage that adapts to the unique needs and fluctuations of tool and saw operations.
Quick Premium Estimate
Based on the 2026 filed rate of $1.38 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $690.00 | $57.50 |
| $100,000 | $1,380.00 | $115.00 |
| $200,000 | $2,760.00 | $230.00 |
| $500,000 | $6,900.00 | $575.00 |
These are estimates based on the filed rate only and do not include SUTA, admin fees, or other charges. Get a full itemized quote →
Get a Real Quote for Code 3113
See exactly what you should be paying for this code vs. what you could pay with us.
Get Instant Quote Talk to a Specialist