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 5478
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $2.12 | — | NCCI FL Filing |
| 2025 | $2.40 | +13.2% (+$0.28) | NCCI FL Filing |
| 2024 | $2.46 | +2.5% (+$0.06) | NCCI FL −15.1% overall |
| 2023 | $2.96 | +20.3% (+$0.50) | NCCI FL Filing |
| 2022 | $3.27 | +10.5% (+$0.31) | 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
Floor Covering Installation
Floor covering installation workers or businesses in Florida are often characterized by moderate to high risk profiles, with hazards including manual labor, heavy lifting, and exposure to chemicals and hazardous materials. These workers may be at risk for strains, sprains, and other musculoskeletal injuries, as well as more serious injuries like cuts and lacerations. For this class, pay-as-you-go PEO workers comp is a natural fit, as it allows for more flexible and predictable monthly payments based on actual payroll expenses, rather than a fixed annual rate.
Quick Premium Estimate
Based on the 2026 filed rate of $2.12 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $1,060.00 | $88.33 |
| $100,000 | $2,120.00 | $176.67 |
| $200,000 | $4,240.00 | $353.33 |
| $500,000 | $10,600.00 | $883.33 |
These are estimates based on the filed rate only and do not include SUTA, admin fees, or other charges. Get a full itemized quote →
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