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 6504
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $2.83 | — | NCCI FL Filing |
| 2025 | $2.89 | +2.1% (+$0.06) | NCCI FL Filing |
| 2024 | $2.80 | -3.1% ($0.09) | NCCI FL −15.1% overall |
| 2023 | $2.84 | +1.4% (+$0.04) | NCCI FL Filing |
| 2022 | $3.09 | +8.8% (+$0.25) | 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
Food Products Making- Including Coffee
Florida businesses in the food products manufacturing industry, including those that produce coffee and other edible goods, often fall under this class code. These employers typically face a moderate risk profile in the state, with moderate to high exposure to workplace hazards such as machinery, hot equipment, and food handling. Pay-as-you-go PEO workers' compensation is a logical fit for these businesses because it aligns with their variable payroll and allows them to manage their workers' compensation costs more effectively.
Quick Premium Estimate
Based on the 2026 filed rate of $2.83 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $1,415.00 | $117.92 |
| $100,000 | $2,830.00 | $235.83 |
| $200,000 | $5,660.00 | $471.67 |
| $500,000 | $14,150.00 | $1,179.17 |
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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