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 5479
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $4.59 | — | NCCI FL Filing |
| 2025 | $5.18 | +12.9% (+$0.59) | NCCI FL Filing |
| 2024 | $5.59 | +7.9% (+$0.41) | NCCI FL −15.1% overall |
| 2023 | $7.05 | +26.1% (+$1.46) | NCCI FL Filing |
| 2022 | $8.25 | +17.0% (+$1.20) | 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
Acoustical or Thermal Insulation Work within Building or Walls
Acoustical or thermal insulation work within buildings or walls typically involves skilled laborers installing or repairing insulation materials in residential, commercial, or industrial settings. The Florida risk profile for this type of work is generally moderate to high, with hazards including falls from ladders or heights, material handling injuries, and exposure to chemicals or dust. A pay-as-you-go PEO workers comp arrangement can be a natural fit for this class, as it allows businesses to budget and manage their workers comp expenses in line with their fluctuating project-based workloads.
Quick Premium Estimate
Based on the 2026 filed rate of $4.59 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $2,295.00 | $191.25 |
| $100,000 | $4,590.00 | $382.50 |
| $200,000 | $9,180.00 | $765.00 |
| $500,000 | $22,950.00 | $1,912.50 |
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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