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 4000
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $3.61 | — | NCCI FL Filing |
| 2025 | $4.04 | +11.9% (+$0.43) | NCCI FL Filing |
| 2024 | $3.75 | -7.2% ($0.29) | NCCI FL −15.1% overall |
| 2023 | $4.42 | +17.9% (+$0.67) | NCCI FL Filing |
| 2022 | $5.07 | +14.7% (+$0.65) | 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
Gravel or Sand Digging- Excavation of Surface Pits
This class covers workers in the gravel or sand digging industry, including excavation of surface pits, and encompasses businesses involved in open-pit mining and aggregate production. The Florida risk profile for this class is generally higher due to the hazardous nature of the work, with risks including excavation accidents, equipment malfunctions, and environmental hazards. Pay-as-you-go PEO workers comp is a natural fit for this class, as it provides businesses with flexibility in managing their workers comp costs and allows for more predictable and stable pricing.
Quick Premium Estimate
Based on the 2026 filed rate of $3.61 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $1,805.00 | $150.42 |
| $100,000 | $3,610.00 | $300.83 |
| $200,000 | $7,220.00 | $601.67 |
| $500,000 | $18,050.00 | $1,504.17 |
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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