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 6838
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $2.04 | — | NCCI FL Filing |
| 2025 | $2.13 | +4.4% (+$0.09) | NCCI FL Filing |
| 2024 | $2.02 | -5.2% ($0.11) | NCCI FL −15.1% overall |
| 2023 | $2.52 | +24.8% (+$0.50) | NCCI FL Filing |
| 2022 | $2.89 | +14.7% (+$0.37) | 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
Ship Building - Iron or Steel - Drivers
Workers in the ship building industry, specifically those involved in driving heavy equipment or machinery on construction sites, fall under this classification. The general risk profile in Florida for this industry is moderate to high due to the heavy machinery and equipment used. Pay-as-you-go PEO workers comp is a natural fit for this class, as it allows businesses to pay only for the actual workers comp costs incurred, reducing financial burdens and helping to manage the unique risks associated with this industry.
Quick Premium Estimate
Based on the 2026 filed rate of $2.04 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $1,020.00 | $85.00 |
| $100,000 | $2,040.00 | $170.00 |
| $200,000 | $4,080.00 | $340.00 |
| $500,000 | $10,200.00 | $850.00 |
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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