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 5474
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $4.48 | — | NCCI FL Filing |
| 2025 | $5.01 | +11.8% (+$0.53) | NCCI FL Filing |
| 2024 | $5.13 | +2.4% (+$0.12) | NCCI FL −15.1% overall |
| 2023 | $6.55 | +27.7% (+$1.42) | NCCI FL Filing |
| 2022 | $7.14 | +9.0% (+$0.59) | 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
Painting Including Shop Operations & Drivers
Painting businesses, including those with shop operations and drivers, are typically assigned this class code. Workers in this industry face moderate to high risk of injury due to physical labor, equipment usage, and driving-related hazards. This risk profile makes pay-as-you-go PEO workers' compensation a natural fit for painting businesses, as it allows for flexible and dynamic cost management based on actual payroll and loss history.
Quick Premium Estimate
Based on the 2026 filed rate of $4.48 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $2,240.00 | $186.67 |
| $100,000 | $4,480.00 | $373.33 |
| $200,000 | $8,960.00 | $746.67 |
| $500,000 | $22,400.00 | $1,866.67 |
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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