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 6845
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $4.77 | — | NCCI FL Filing |
| 2025 | $4.15 | -13.0% ($0.62) | NCCI FL Filing |
| 2024 | $3.61 | -13.0% ($0.54) | NCCI FL −15.1% overall |
| 2023 | $4.07 | +12.7% (+$0.46) | NCCI FL Filing |
| 2022 | $4.72 | +16.0% (+$0.65) | 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
Naval Ship Building-U.S. Act
Workers in the naval shipbuilding industry under the U.S. Act are subject to specific Florida workers' compensation regulations, necessitating a tailored risk management approach. This class typically covers skilled laborers, machinists, and engineers involved in the construction and repair of naval vessels, often associated with a higher risk profile due to hazardous equipment and working conditions. A pay-as-you-go PEO workers' compensation solution is a natural fit for this class, allowing businesses to manage their cash flow while ensuring compliance with complex regulatory requirements.
Quick Premium Estimate
Based on the 2026 filed rate of $4.77 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $2,385.00 | $198.75 |
| $100,000 | $4,770.00 | $397.50 |
| $200,000 | $9,540.00 | $795.00 |
| $500,000 | $23,850.00 | $1,987.50 |
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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