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 7309
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $5.49 | — | NCCI FL Filing |
| 2025 | $6.18 | +12.6% (+$0.69) | NCCI FL Filing |
| 2024 | $7.16 | +15.9% (+$0.98) | NCCI FL −15.1% overall |
| 2023 | $8.42 | +17.6% (+$1.26) | NCCI FL Filing |
| 2022 | $9.90 | +17.6% (+$1.48) | 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
Stevedoring
Stevedoring businesses, such as those involved in loading and unloading cargo from ships, are typically classified with a specific FL workers comp code that reflects their high-risk occupation. This class carries a higher than average risk profile in Florida due to the manual labor and equipment-intensive nature of the work. Pay-as-you-go PEO workers comp is a natural fit for these businesses as it allows them to manage their workers comp expenses in real-time, reducing cash flow strain and providing more accurate cost projections.
Quick Premium Estimate
Based on the 2026 filed rate of $5.49 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $2,745.00 | $228.75 |
| $100,000 | $5,490.00 | $457.50 |
| $200,000 | $10,980.00 | $915.00 |
| $500,000 | $27,450.00 | $2,287.50 |
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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