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 5221
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $3.87 | — | NCCI FL Filing |
| 2025 | $4.25 | +9.8% (+$0.38) | NCCI FL Filing |
| 2024 | $4.25 | 0.0% ($0.00) | NCCI FL −15.1% overall |
| 2023 | $5.11 | +20.2% (+$0.86) | NCCI FL Filing |
| 2022 | $5.54 | +8.4% (+$0.43) | 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 or Cement- Flat-Driveways-Concrete Floors
Flatwork concrete businesses, such as those installing driveways, sidewalks, and concrete floors, are typically covered under this classification. The general Florida risk profile for this industry indicates a moderate to high risk of workplace injuries due to physical demands and equipment operation. Pay-as-you-go PEO workers comp is a natural fit for these businesses, allowing them to budget and manage their workers comp costs more accurately with no upfront fees or hidden expenses.
Quick Premium Estimate
Based on the 2026 filed rate of $3.87 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $1,935.00 | $161.25 |
| $100,000 | $3,870.00 | $322.50 |
| $200,000 | $7,740.00 | $645.00 |
| $500,000 | $19,350.00 | $1,612.50 |
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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