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 7704
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $3.85 | — | NCCI FL Filing |
| 2025 | $4.03 | +4.7% (+$0.18) | NCCI FL Filing |
| 2024 | $3.96 | -1.7% ($0.07) | NCCI FL −15.1% overall |
| 2023 | $4.46 | +12.6% (+$0.50) | NCCI FL Filing |
| 2022 | $5.18 | +16.1% (+$0.72) | 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
Fire Fighters and Drivers
Fire Fighters and Drivers are a high-risk group with a demanding work environment that often requires physical stamina and emergency response situations, leading to a significantly higher risk profile in Florida. Businesses in this category are ideal candidates for pay-as-you-go PEO workers compensation, as they require flexible and dynamic risk management solutions to account for fluctuating workloads and unpredictable injury scenarios. This model allows for more accurate and real-time premium calculation, better aligning with the unique needs of fire departments and transportation companies.
Quick Premium Estimate
Based on the 2026 filed rate of $3.85 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $1,925.00 | $160.42 |
| $100,000 | $3,850.00 | $320.83 |
| $200,000 | $7,700.00 | $641.67 |
| $500,000 | $19,250.00 | $1,604.17 |
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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