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 7855
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $2.30 | — | NCCI FL Filing |
| 2025 | $2.57 | +11.7% (+$0.27) | NCCI FL Filing |
| 2024 | $2.72 | +5.8% (+$0.15) | NCCI FL −15.1% overall |
| 2023 | $3.46 | +27.2% (+$0.74) | NCCI FL Filing |
| 2022 | $3.70 | +6.9% (+$0.24) | 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
Railroad Construction- Track Laying or Maintenance
Workers in the railroad construction, track laying, or maintenance industry are typically involved in laying and repairing rail tracks, inspecting and maintaining existing tracks, and ensuring the structural integrity of the railroad infrastructure. This line of work tends to come with a higher risk profile due to its hazardous nature, with common hazards including heavy equipment operation, trenching, and exposure to fast-moving trains. For businesses in this industry, a pay-as-you-go workers' compensation plan offered by a Professional Employer Organization (PEO) like GarrettRichard can help mitigate these risks and provide more predictable cash flow by only paying for actual claims.
Quick Premium Estimate
Based on the 2026 filed rate of $2.30 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $1,150.00 | $95.83 |
| $100,000 | $2,300.00 | $191.67 |
| $200,000 | $4,600.00 | $383.33 |
| $500,000 | $11,500.00 | $958.33 |
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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