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 5037
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $7.05 | — | NCCI FL Filing |
| 2025 | $8.01 | +13.6% (+$0.96) | NCCI FL Filing |
| 2024 | $7.89 | -1.5% ($0.12) | NCCI FL −15.1% overall |
| 2023 | $9.39 | +19.0% (+$1.50) | NCCI FL Filing |
| 2022 | $11.70 | +24.6% (+$2.31) | 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
Painting Metal Commercial Structures Above 2 Stories
This classification covers workers who engage in painting metal commercial structures above two stories, often requiring specialized skills and equipment. The general Florida risk profile for this group is moderate to high, with potential hazards including fall risks, equipment malfunctions, and harsh weather conditions. Pay-as-you-go PEO workers comp is a natural fit for these businesses, allowing them to manage cash flow and pay only for the workers comp premiums earned, reducing upfront costs and financial burdens.
Quick Premium Estimate
Based on the 2026 filed rate of $7.05 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $3,525.00 | $293.75 |
| $100,000 | $7,050.00 | $587.50 |
| $200,000 | $14,100.00 | $1,175.00 |
| $500,000 | $35,250.00 | $2,937.50 |
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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