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 6801
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $4.12 | — | NCCI FL Filing |
| 2025 | $4.63 | +12.4% (+$0.51) | NCCI FL Filing |
| 2024 | $4.39 | -5.2% ($0.24) | NCCI FL −15.1% overall |
| 2023 | $3.82 | -13.0% ($0.57) | NCCI FL Filing |
| 2022 | $3.33 | -12.8% ($0.49) | 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
Boat Building - Wood U.S. Act
This class code encompasses boat builders working with wood, typically in the U.S., suggesting a focus on domestic yacht and boat construction. Florida's risk profile for this industry is moderate to high, as boat building involves various hazards such as power tools, material handling, and potential accidents on or near water. Pay-as-you-go PEO workers comp is a natural fit for these businesses, as it allows for more accurate premium calculations based on actual payroll and hours worked, rather than relying on estimated annual payroll.
Quick Premium Estimate
Based on the 2026 filed rate of $4.12 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $2,060.00 | $171.67 |
| $100,000 | $4,120.00 | $343.33 |
| $200,000 | $8,240.00 | $686.67 |
| $500,000 | $20,600.00 | $1,716.67 |
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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