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 5222
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $3.87 | — | NCCI FL Filing |
| 2025 | $5.96 | +54.0% (+$2.09) | NCCI FL Filing |
| 2024 | $6.30 | +5.7% (+$0.34) | NCCI FL −15.1% overall |
| 2023 | $7.34 | +16.5% (+$1.04) | NCCI FL Filing |
| 2022 | $9.03 | +23.0% (+$1.69) | 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 -Bridges Culverts
Businesses and workers in the construction industry, specifically those involved in the installation and maintenance of bridges, culverts, and other concrete structures, fall under this class code. The general Florida risk profile for this industry indicates a moderate to high risk for work-related injuries, particularly from falls, lifting heavy materials, and exposure to hazardous equipment. A pay-as-you-go PEO workers compensation solution is a natural fit for these businesses, as it allows them to manage their workers comp costs in real-time and avoid the financial risks associated with unpredictable payroll fluctuations.
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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