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 5402
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $4.77 | — | NCCI FL Filing |
| 2025 | $5.46 | +14.5% (+$0.69) | NCCI FL Filing |
| 2024 | $5.19 | -4.9% ($0.27) | NCCI FL −15.1% overall |
| 2023 | $6.29 | +21.2% (+$1.10) | NCCI FL Filing |
| 2022 | $7.17 | +14.0% (+$0.88) | 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
Hothouse Erection-All Operations
Hothouse erection operations involve the construction of greenhouses or hothouses, which requires skilled laborers and specialized equipment. Workers in this industry are typically exposed to hazards such as heavy machinery, electrical systems, and slippery surfaces, resulting in a moderate to high risk profile. As a result, pay-as-you-go PEO workers comp is a natural fit for businesses in this class, allowing them to manage their workers' comp costs more effectively and minimize financial strain.
Quick Premium Estimate
Based on the 2026 filed rate of $4.77 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $2,385.00 | $198.75 |
| $100,000 | $4,770.00 | $397.50 |
| $200,000 | $9,540.00 | $795.00 |
| $500,000 | $23,850.00 | $1,987.50 |
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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