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 7520
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $1.78 | — | NCCI FL Filing |
| 2025 | $1.79 | +0.6% (+$0.01) | NCCI FL Filing |
| 2024 | $1.88 | +5.0% (+$0.09) | NCCI FL −15.1% overall |
| 2023 | $2.35 | +25.0% (+$0.47) | NCCI FL Filing |
| 2022 | $2.64 | +12.3% (+$0.29) | 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
Waterworks Operation & Drivers
Waterworks operation and driver employees in Florida are considered high-hazard occupations due to the risks associated with operating heavy machinery, driving large vehicles, and working with water treatment systems. As a result, this class carries a relatively high experience modification rate, making premium costs a significant expense for businesses in this industry. Pay-as-you-go PEO workers comp is a natural fit for these employers, as it allows them to manage their workers comp costs in real-time and reduce the financial burden of fluctuating premium expenses.
Quick Premium Estimate
Based on the 2026 filed rate of $1.78 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $890.00 | $74.17 |
| $100,000 | $1,780.00 | $148.33 |
| $200,000 | $3,560.00 | $296.67 |
| $500,000 | $8,900.00 | $741.67 |
These are estimates based on the filed rate only and do not include SUTA, admin fees, or other charges. Get a full itemized quote →
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