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 4053
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $1.41 | — | NCCI FL Filing |
| 2025 | $1.51 | +7.1% (+$0.10) | NCCI FL Filing |
| 2024 | $1.54 | +2.0% (+$0.03) | NCCI FL −15.1% overall |
| 2023 | $1.83 | +18.8% (+$0.29) | NCCI FL Filing |
| 2022 | $2.03 | +10.9% (+$0.20) | 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
Pottery Maker- Decorative or Architecural Terra-Cotta
Pottery makers who create decorative or architectural terra cotta products for clients in Florida typically fall under this class code. These businesses often involve manual labor, potentially hazardous materials, and a relatively high risk of workplace injuries, resulting in a moderate to high risk profile in the state. Pay-as-you-go PEO workers comp is a natural fit for these businesses, as it allows them to avoid fixed monthly premiums and only pay for the actual workers comp costs incurred, providing more budgetary flexibility and cost savings.
Quick Premium Estimate
Based on the 2026 filed rate of $1.41 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $705.00 | $58.75 |
| $100,000 | $1,410.00 | $117.50 |
| $200,000 | $2,820.00 | $235.00 |
| $500,000 | $7,050.00 | $587.50 |
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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