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 5146
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $3.26 | — | NCCI FL Filing |
| 2025 | $3.67 | +12.6% (+$0.41) | NCCI FL Filing |
| 2024 | $4.05 | +10.4% (+$0.38) | NCCI FL −15.1% overall |
| 2023 | $4.71 | +16.3% (+$0.66) | NCCI FL Filing |
| 2022 | $5.10 | +8.3% (+$0.39) | 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
Furniture or Fixtures Installation
Furniture or Fixtures installation workers in Florida are typically employed by contractors or specialty installers who bring bespoke pieces to clients' homes or businesses, often requiring skilled laborers for cabinetmaking, wood finishing, and other crafts. The general FL risk profile for this industry suggests a moderate to high risk of workplace injuries, particularly from heavy lifting, tool accidents, and falls from ladders or scaffolding. Pay-as-you-go PEO workers comp is a natural fit for these businesses, as it allows them to pay premiums only for the workers they have on payroll at any given time, offering a cost-effective and flexible solution to managing workers comp expenses.
Quick Premium Estimate
Based on the 2026 filed rate of $3.26 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $1,630.00 | $135.83 |
| $100,000 | $3,260.00 | $271.67 |
| $200,000 | $6,520.00 | $543.33 |
| $500,000 | $16,300.00 | $1,358.33 |
These are estimates based on the filed rate only and do not include SUTA, admin fees, or other charges. Get a full itemized quote →
Get a Real Quote for Code 5146
See exactly what you should be paying for this code vs. what you could pay with us.
Get Instant Quote Talk to a Specialist