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 5509
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $5.94 | — | NCCI FL Filing |
| 2025 | $6.87 | +15.7% (+$0.93) | NCCI FL Filing |
| 2024 | $7.53 | +9.6% (+$0.66) | NCCI FL −15.1% overall |
| 2023 | $8.51 | +13.0% (+$0.98) | NCCI FL Filing |
| 2022 | $9.03 | +6.1% (+$0.52) | 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
Street or Road Const by State
Street or Road Const by State, which includes workers employed by the state to build, maintain and repair Florida's roads and highways, typically fall under this classification. The general risk profile for this class is relatively high due to the physical nature of the work and potential exposure to heavy machinery and hazardous road conditions. A pay-as-you-go PEO workers comp solution is ideal for this class, allowing businesses to avoid large up-front premiums and instead pay only for the actual workers comp expenses incurred, providing a more budget-friendly and manageable approach to managing risk.
Quick Premium Estimate
Based on the 2026 filed rate of $5.94 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $2,970.00 | $247.50 |
| $100,000 | $5,940.00 | $495.00 |
| $200,000 | $11,880.00 | $990.00 |
| $500,000 | $29,700.00 | $2,475.00 |
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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