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 7382
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $4.49 | — | NCCI FL Filing |
| 2025 | $4.13 | -8.0% ($0.36) | NCCI FL Filing |
| 2024 | $4.07 | -1.5% ($0.06) | NCCI FL −15.1% overall |
| 2023 | $4.50 | +10.6% (+$0.43) | NCCI FL Filing |
| 2022 | $4.57 | +1.6% (+$0.07) | 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
Bus Company- All EE's & Drivers
Bus companies with employees and drivers across Florida fall under this classification code, which typically involves a moderate to high risk profile due to factors such as public transportation and potential exposure to accidents. As a PEO agency, GarrettRichard recommends pay-as-you-go workers compensation to these clients to minimize upfront capital expenditures and allow for more accurate cost allocation. This approach ensures that employers only pay for the actual workers comp costs incurred, making it an ideal solution for bus companies with fluctuating workforce sizes or varying levels of risk.
Quick Premium Estimate
Based on the 2026 filed rate of $4.49 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $2,245.00 | $187.08 |
| $100,000 | $4,490.00 | $374.17 |
| $200,000 | $8,980.00 | $748.33 |
| $500,000 | $22,450.00 | $1,870.83 |
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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