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 5645
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $7.69 | — | NCCI FL Filing |
| 2025 | $8.77 | +14.0% (+$1.08) | NCCI FL Filing |
| 2024 | $9.38 | +7.0% (+$0.61) | NCCI FL −15.1% overall |
| 2023 | $11.44 | +22.0% (+$2.06) | NCCI FL Filing |
| 2022 | $12.61 | +10.2% (+$1.17) | 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
Framers-Detached 1 or 2 Family Dwelings
Framers specializing in detached one or two-family dwellings primarily fall under this class code, which encompasses a range of skilled laborers involved in residential construction projects. The general Florida risk profile for this class code suggests a moderate to high risk of injury due to physical demands and potential for falls from heights, making robust workers' compensation coverage essential. Pay-as-you-go PEO workers comp is a natural fit for this class due to the varied nature of construction projects and the potential for fluctuating workforces, allowing businesses to optimize their premium payments and reduce financial uncertainty.
Quick Premium Estimate
Based on the 2026 filed rate of $7.69 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $3,845.00 | $320.42 |
| $100,000 | $7,690.00 | $640.83 |
| $200,000 | $15,380.00 | $1,281.67 |
| $500,000 | $38,450.00 | $3,204.17 |
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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