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 4351
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $0.81 | — | NCCI FL Filing |
| 2025 | $0.89 | +9.9% (+$0.08) | NCCI FL Filing |
| 2024 | $0.89 | 0.0% ($0.00) | NCCI FL −15.1% overall |
| 2023 | $1.03 | +15.7% (+$0.14) | NCCI FL Filing |
| 2022 | $1.06 | +2.9% (+$0.03) | 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
Photoengraving
Workers in the photoengraving industry, including those in graphic arts and commercial photography, typically fall under this classification. In Florida, this class often carries a higher risk profile, with a higher frequency of work-related injuries due to the use of equipment and chemicals. Pay-as-you-go PEO workers comp is a natural fit for businesses in this class, allowing them to manage their workers comp costs more fluidly and avoid large upfront expense, which can be beneficial for small to medium-sized photoengraving operations.
Quick Premium Estimate
Based on the 2026 filed rate of $0.81 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $405.00 | $33.75 |
| $100,000 | $810.00 | $67.50 |
| $200,000 | $1,620.00 | $135.00 |
| $500,000 | $4,050.00 | $337.50 |
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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