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 5188
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $3.28 | — | NCCI FL Filing |
| 2025 | $3.43 | +4.6% (+$0.15) | NCCI FL Filing |
| 2024 | $3.29 | -4.1% ($0.14) | NCCI FL −15.1% overall |
| 2023 | $3.72 | +13.1% (+$0.43) | NCCI FL Filing |
| 2022 | $3.78 | +1.6% (+$0.06) | 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
Automatic Sprinklers Installation & Drivers
Workers in the automatic sprinkler installation and driving industry typically have a moderate risk profile in Florida, with hazards such as heavy lifting, equipment operation, and on-site accidents. As a result, businesses in this sector often require robust workers' compensation coverage to address potential claims and ensure compliance with state regulations. Pay-as-you-go PEO workers' comp is a natural fit for this class, offering flexible pricing and cash flow management that aligns with the variable income and expenses of these businesses, helping to mitigate the financial risks associated with workers' compensation.
Quick Premium Estimate
Based on the 2026 filed rate of $3.28 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $1,640.00 | $136.67 |
| $100,000 | $3,280.00 | $273.33 |
| $200,000 | $6,560.00 | $546.67 |
| $500,000 | $16,400.00 | $1,366.67 |
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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