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 6854
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $4.24 | — | NCCI FL Filing |
| 2025 | $4.49 | +5.9% (+$0.25) | NCCI FL Filing |
| 2024 | $4.44 | -1.1% ($0.05) | NCCI FL −15.1% overall |
| 2023 | $5.04 | +13.5% (+$0.60) | NCCI FL Filing |
| 2022 | $5.30 | +5.2% (+$0.26) | 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
Shipbuilding-Iron & Steel Commercial Vessels & Drivers
Shipbuilding and iron/steel commercial vessel operations in Florida are covered by this class code, typically involving skilled laborers, drivers, and management personnel at shipbuilding facilities, ports, and manufacturing sites. With the inherent risks of heavy machinery, hazardous materials, and construction site accidents, the risk profile for this industry is considered moderate to high. Pay-as-you-go workers' compensation is a natural fit for this class due to the variable and often unpredictable nature of shipbuilding and vessel operations, allowing businesses to better manage their workers' compensation expenses as they grow or experience fluctuations in production.
Quick Premium Estimate
Based on the 2026 filed rate of $4.24 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $2,120.00 | $176.67 |
| $100,000 | $4,240.00 | $353.33 |
| $200,000 | $8,480.00 | $706.67 |
| $500,000 | $21,200.00 | $1,766.67 |
These are estimates based on the filed rate only and do not include SUTA, admin fees, or other charges. Get a full itemized quote →
Get a Real Quote for Code 6854
See exactly what you should be paying for this code vs. what you could pay with us.
Get Instant Quote Talk to a Specialist