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 3865
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $2.05 | — | NCCI FL Filing |
| 2025 | $1.93 | -5.9% ($0.12) | NCCI FL Filing |
| 2024 | $1.93 | 0.0% ($0.00) | NCCI FL −15.1% overall |
| 2023 | $2.28 | +18.1% (+$0.35) | NCCI FL Filing |
| 2022 | $2.22 | -2.6% ($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
Bicycle Manufacturing and Assembly
Businesses involved in bicycle manufacturing and assembly, such as small-scale factories and component suppliers, fall under this classification. In Florida, workers in this industry are generally considered to be at a moderate risk for work-related injuries, with potential hazards including machinery operations and manual handling of equipment. Pay-as-you-go PEO workers comp is a natural fit for companies in this class, as it allows them to manage and pay premiums based on actual payroll, providing cost savings and improved cash flow.
Quick Premium Estimate
Based on the 2026 filed rate of $2.05 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $1,025.00 | $85.42 |
| $100,000 | $2,050.00 | $170.83 |
| $200,000 | $4,100.00 | $341.67 |
| $500,000 | $10,250.00 | $854.17 |
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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