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 5215
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $5.12 | — | NCCI FL Filing |
| 2025 | $5.36 | +4.7% (+$0.24) | NCCI FL Filing |
| 2024 | $5.15 | -3.9% ($0.21) | NCCI FL −15.1% overall |
| 2023 | $5.75 | +11.7% (+$0.60) | NCCI FL Filing |
| 2022 | $6.68 | +16.2% (+$0.93) | 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
Concrete Work - 1 or 2 family - Connected Garages
One or two-family residential homes with connected garages often rely on concrete workers for construction and repairs, making this class code applicable to small, local contractors or handyman services. Florida's risk profile for this class is generally moderate due to the physical demands of the work and potential for accidents, especially falls from heights or equipment-related injuries. Pay-as-you-go PEO workers comp is a natural fit for such businesses, as it allows them to manage cash flow and avoid large upfront payments, providing flexibility and stability in an often unpredictable industry.
Quick Premium Estimate
Based on the 2026 filed rate of $5.12 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $2,560.00 | $213.33 |
| $100,000 | $5,120.00 | $426.67 |
| $200,000 | $10,240.00 | $853.33 |
| $500,000 | $25,600.00 | $2,133.33 |
These are estimates based on the filed rate only and do not include SUTA, admin fees, or other charges. Get a full itemized quote →
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