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 4581
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $0.67 | — | NCCI FL Filing |
| 2025 | $0.64 | -4.5% ($0.03) | NCCI FL Filing |
| 2024 | $0.71 | +10.9% (+$0.07) | NCCI FL −15.1% overall |
| 2023 | $0.88 | +23.9% (+$0.17) | NCCI FL Filing |
| 2022 | $1.06 | +20.5% (+$0.18) | 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
Phosphate Workers - Phosphate Rock or Pebble Bagging & Shipping
Phosphate workers in Florida who are involved in phosphate rock or pebble bagging and shipping fall under this classification. This code typically covers workers in the mining and processing industry, who are exposed to unique hazards such as dust-related respiratory issues and heavy equipment operations. Pay-as-you-go workers' compensation is a natural fit for these businesses due to the high risk profile and variability in payroll fluctuations associated with the phosphate industry.
Quick Premium Estimate
Based on the 2026 filed rate of $0.67 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $335.00 | $27.92 |
| $100,000 | $670.00 | $55.83 |
| $200,000 | $1,340.00 | $111.67 |
| $500,000 | $3,350.00 | $279.17 |
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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