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 5480
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $5.90 | — | NCCI FL Filing |
| 2025 | $5.91 | +0.2% (+$0.01) | NCCI FL Filing |
| 2024 | $6.15 | +4.1% (+$0.24) | NCCI FL −15.1% overall |
| 2023 | $6.97 | +13.3% (+$0.82) | NCCI FL Filing |
| 2022 | $7.57 | +8.6% (+$0.60) | 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
Plastering -Interior Specialist Contractors
Interior plastering specialists, including contractors and subcontractors, who perform interior finishing work such as installing drywall, ceilings, and acoustic panels, are typically classified under this code. The FL risk profile for this class is generally moderate, with a higher risk of injuries related to falls, overexertion, and exposure to hazardous materials. Pay-as-you-go PEO workers comp is a natural fit for these businesses, as their fluctuating workforce and project-based revenue streams make it challenging to budget for fixed workers comp premiums, and PEO arrangements can help stabilize costs and improve cash flow.
Quick Premium Estimate
Based on the 2026 filed rate of $5.90 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $2,950.00 | $245.83 |
| $100,000 | $5,900.00 | $491.67 |
| $200,000 | $11,800.00 | $983.33 |
| $500,000 | $29,500.00 | $2,458.33 |
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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