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 5183
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $2.74 | — | NCCI FL Filing |
| 2025 | $2.99 | +9.1% (+$0.25) | NCCI FL Filing |
| 2024 | $2.97 | -0.7% ($0.02) | NCCI FL −15.1% overall |
| 2023 | $3.38 | +13.8% (+$0.41) | NCCI FL Filing |
| 2022 | $3.70 | +9.5% (+$0.32) | 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
Plumbing & Drivers
The plumbing and drivers class code generally covers workers employed by plumbing contractors, water treatment plants, and mobile crews that require on-the-go services. These businesses often have a moderate to high risk profile in Florida, with hazards including physical labor, equipment operation, and potential exposure to chemicals and waterborne pathogens. A pay-as-you-go PEO workers comp solution is a natural fit for this class due to its fluctuating labor needs, making it beneficial for businesses to only pay for workers comp premiums as they go, rather than a fixed rate for a set period.
Quick Premium Estimate
Based on the 2026 filed rate of $2.74 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $1,370.00 | $114.17 |
| $100,000 | $2,740.00 | $228.33 |
| $200,000 | $5,480.00 | $456.67 |
| $500,000 | $13,700.00 | $1,141.67 |
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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