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 3685
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $0.63 | — | NCCI FL Filing |
| 2025 | $0.70 | +11.1% (+$0.07) | NCCI FL Filing |
| 2024 | $0.67 | -4.3% ($0.03) | NCCI FL −15.1% overall |
| 2023 | $0.77 | +14.9% (+$0.10) | NCCI FL Filing |
| 2022 | $0.84 | +9.1% (+$0.07) | 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
Scientific Instrument MFG
GarrettRichard's clients in the scientific instrument manufacturing sector operate in an industry characterized by precise equipment and processes, posing a moderate risk for workplace injuries such as cuts, falls, and equipment-related accidents. Due to the nature of their work, businesses in this class often require specialized equipment and training, which can contribute to a slightly higher risk profile. Pay-as-you-go PEO workers compensation is a natural fit for these businesses, as it allows for more accurate premium calculation and reduced upfront costs, helping them manage cash flow and maintain operational efficiency.
Quick Premium Estimate
Based on the 2026 filed rate of $0.63 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $315.00 | $26.25 |
| $100,000 | $630.00 | $52.50 |
| $200,000 | $1,260.00 | $105.00 |
| $500,000 | $3,150.00 | $262.50 |
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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