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 4511
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $0.56 | — | NCCI FL Filing |
| 2025 | $0.55 | -1.8% ($0.01) | NCCI FL Filing |
| 2024 | $0.56 | +1.8% (+$0.01) | NCCI FL −15.1% overall |
| 2023 | $0.61 | +8.9% (+$0.05) | NCCI FL Filing |
| 2022 | $0.65 | +6.6% (+$0.04) | 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
Analytical Labs-Collectors of Samples
Analytical labs and collectors of samples in Florida are typically covered under this class code, which includes workers involved in the collection, testing, and analysis of samples in various industries such as environmental, pharmaceutical, and medical research. These businesses often have a moderate to high risk profile due to the potential for hazardous materials, lab accidents, and equipment-related injuries. Pay-as-you-go PEO workers comp is a natural fit for these businesses, as it allows them to manage their workers comp expenses in real-time, reducing financial burdens and providing more accurate premium billing.
Quick Premium Estimate
Based on the 2026 filed rate of $0.56 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $280.00 | $23.33 |
| $100,000 | $560.00 | $46.67 |
| $200,000 | $1,120.00 | $93.33 |
| $500,000 | $2,800.00 | $233.33 |
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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