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 4361
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $0.66 | — | NCCI FL Filing |
| 2025 | $0.79 | +19.7% (+$0.13) | NCCI FL Filing |
| 2024 | $0.82 | +3.8% (+$0.03) | NCCI FL −15.1% overall |
| 2023 | $0.96 | +17.1% (+$0.14) | NCCI FL Filing |
| 2022 | $0.97 | +1.0% (+$0.01) | 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
Photographer
Photographers and related businesses fall under this class code, which typically includes workers involved in studio photography, event photography, and commercial photography. In Florida, this industry is considered a relatively low to moderate risk, with the most common claims being related to slips, trips, and falls. As photographers often have variable and seasonal workloads, pay-as-you-go PEO workers comp is a natural fit, allowing for flexible and cost-effective coverage that scales with their business needs.
Quick Premium Estimate
Based on the 2026 filed rate of $0.66 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $330.00 | $27.50 |
| $100,000 | $660.00 | $55.00 |
| $200,000 | $1,320.00 | $110.00 |
| $500,000 | $3,300.00 | $275.00 |
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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