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 5403
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $4.36 | — | NCCI FL Filing |
| 2025 | $4.51 | +3.4% (+$0.15) | NCCI FL Filing |
| 2024 | $4.54 | +0.7% (+$0.03) | NCCI FL −15.1% overall |
| 2023 | $5.30 | +16.7% (+$0.76) | NCCI FL Filing |
| 2022 | $6.17 | +16.4% (+$0.87) | 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
Carpentry - Wood-Termite Control or Wood Playgrounds
Carpentry workers who specialize in wood-termite control or wood playground construction fall under this classification, which encompasses those who design, build, or install wood structures that require termite-resistant treatments. The Florida risk profile for this industry is generally moderate, with workers facing hazards such as falling objects, equipment malfunctions, and exposure to chemicals and insects. A pay-as-you-go PEO workers comp solution is a natural fit for these businesses, as it allows them to manage workers comp costs in sync with their fluctuating workloads, providing greater flexibility and financial stability.
Quick Premium Estimate
Based on the 2026 filed rate of $4.36 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $2,180.00 | $181.67 |
| $100,000 | $4,360.00 | $363.33 |
| $200,000 | $8,720.00 | $726.67 |
| $500,000 | $21,800.00 | $1,816.67 |
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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