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 8001
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $2.38 | — | NCCI FL Filing |
| 2025 | $2.46 | +3.4% (+$0.08) | NCCI FL Filing |
| 2024 | $2.42 | -1.6% ($0.04) | NCCI FL −15.1% overall |
| 2023 | $2.87 | +18.6% (+$0.45) | NCCI FL Filing |
| 2022 | $3.13 | +9.1% (+$0.26) | 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
Florists & Drivers
Florists and drivers working for this class of businesses often involve operating in various environments, from storefronts to delivery routes, which can lead to a moderate risk profile in Florida due to the potential for slips, trips, and vehicle accidents. These businesses may also face unique risks such as exposure to floral chemicals and equipment-related injuries. Pay-as-you-go workers comp is a natural fit for florists and drivers, allowing businesses to pay premiums based on actual payroll, which can help mitigate the financial burden of unexpected claims and fluctuations in business volume.
Quick Premium Estimate
Based on the 2026 filed rate of $2.38 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $1,190.00 | $99.17 |
| $100,000 | $2,380.00 | $198.33 |
| $200,000 | $4,760.00 | $396.67 |
| $500,000 | $11,900.00 | $991.67 |
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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