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 5551
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $6.75 | — | NCCI FL Filing |
| 2025 | $7.59 | +12.4% (+$0.84) | NCCI FL Filing |
| 2024 | $8.24 | +8.6% (+$0.65) | NCCI FL −15.1% overall |
| 2023 | $10.57 | +28.3% (+$2.33) | NCCI FL Filing |
| 2022 | $11.41 | +7.9% (+$0.84) | 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
Roofing- All Including Drivers
Roofing businesses, including those specializing in new construction, repair, and maintenance, as well as drivers who transport materials or equipment, fall under this classification. Florida's subtropical climate and frequent severe weather events contribute to a relatively high risk profile for roofing businesses, with numerous potential hazards including falls, electrocution, and workplace collisions. As a result, a pay-as-you-go PEO workers compensation solution can provide significant benefits to these businesses by offering flexible, cash-flow-friendly coverage and helping to mitigate the financial risks associated with workers' compensation claims.
Quick Premium Estimate
Based on the 2026 filed rate of $6.75 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $3,375.00 | $281.25 |
| $100,000 | $6,750.00 | $562.50 |
| $200,000 | $13,500.00 | $1,125.00 |
| $500,000 | $33,750.00 | $2,812.50 |
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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