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 5223
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $2.60 | — | NCCI FL Filing |
| 2025 | $3.12 | +20.0% (+$0.52) | NCCI FL Filing |
| 2024 | $3.13 | +0.3% (+$0.01) | NCCI FL −15.1% overall |
| 2023 | $3.95 | +26.2% (+$0.82) | NCCI FL Filing |
| 2022 | $4.46 | +12.9% (+$0.51) | 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
Swimming Pool Const
Swimming pool construction workers face a moderate to high risk of injuries and illnesses due to the physically demanding nature of their work, involving heavy lifting, falls, and exposure to hazardous chemicals. As such, businesses in this industry often have higher workers' compensation premiums to account for the increased risk of accidents and injuries. Pay-as-you-go PEO workers comp is a natural fit for swimming pool construction companies, as it allows them to pay premiums only for the workers they have on payroll at any given time, reducing cash flow issues and providing more accurate premium calculations.
Quick Premium Estimate
Based on the 2026 filed rate of $2.60 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $1,300.00 | $108.33 |
| $100,000 | $2,600.00 | $216.67 |
| $200,000 | $5,200.00 | $433.33 |
| $500,000 | $13,000.00 | $1,083.33 |
These are estimates based on the filed rate only and do not include SUTA, admin fees, or other charges. Get a full itemized quote →
Get a Real Quote for Code 5223
See exactly what you should be paying for this code vs. what you could pay with us.
Get Instant Quote Talk to a Specialist