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 6229
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $3.44 | — | NCCI FL Filing |
| 2025 | $3.83 | +11.3% (+$0.39) | NCCI FL Filing |
| 2024 | $4.01 | +4.7% (+$0.18) | NCCI FL −15.1% overall |
| 2023 | $4.71 | +17.5% (+$0.70) | NCCI FL Filing |
| 2022 | $5.33 | +13.2% (+$0.62) | 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
Irrigation or Drainage System Construction & Drivers
This class code covers workers involved in the construction and installation of irrigation and drainage systems, including drivers who transport equipment and materials to job sites. The risk profile for this class is generally moderate to high, with potential hazards including equipment accidents, slips, trips, and falls, as well as exposure to chemicals and electrical shock. Pay-as-you-go PEO workers comp is a natural fit for businesses in this class, as it allows them to avoid large upfront premium payments and instead pay only for the workers comp coverage they need on a monthly basis, providing greater flexibility and cost savings.
Quick Premium Estimate
Based on the 2026 filed rate of $3.44 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $1,720.00 | $143.33 |
| $100,000 | $3,440.00 | $286.67 |
| $200,000 | $6,880.00 | $573.33 |
| $500,000 | $17,200.00 | $1,433.33 |
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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