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 3851
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $1.46 | — | NCCI FL Filing |
| 2025 | $1.57 | +7.5% (+$0.11) | NCCI FL Filing |
| 2024 | $1.60 | +1.9% (+$0.03) | NCCI FL −15.1% overall |
| 2023 | $1.99 | +24.4% (+$0.39) | NCCI FL Filing |
| 2022 | $2.17 | +9.0% (+$0.18) | 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
Motorcycle Assembly and Manufacturing
Motorcycle assembly and manufacturing businesses in Florida often involve high-risk environments with potential for severe injuries from machinery, heavy lifting, and other hazards. PEO agency GarrettRichard can help these businesses manage their workers' compensation risks by providing pay-as-you-go workers comp coverage, allowing them to avoid upfront premium payments and instead pay based on actual payroll. This arrangement can be particularly beneficial for companies with fluctuating workforces or variable production schedules, helping to maintain cash flow and reduce financial burdens.
Quick Premium Estimate
Based on the 2026 filed rate of $1.46 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $730.00 | $60.83 |
| $100,000 | $1,460.00 | $121.67 |
| $200,000 | $2,920.00 | $243.33 |
| $500,000 | $7,300.00 | $608.33 |
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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