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 8010
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $1.34 | — | NCCI FL Filing |
| 2025 | $1.37 | +2.2% (+$0.03) | NCCI FL Filing |
| 2024 | $1.42 | +3.6% (+$0.05) | NCCI FL −15.1% overall |
| 2023 | $1.73 | +21.8% (+$0.31) | NCCI FL Filing |
| 2022 | $1.88 | +8.7% (+$0.15) | 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
Hardware Store
Hardware store employees are typically covered under this classification, including sales associates, warehouse staff, and maintenance personnel. Florida's high risk profile for this class code is driven by the physical demands of lifting and carrying heavy merchandise, as well as potential hazards from power tools and equipment. Pay-as-you-go PEO workers comp is a natural fit for this class due to the variability in staffing levels and the need for flexible and cost-effective workers comp management solutions.
Quick Premium Estimate
Based on the 2026 filed rate of $1.34 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $670.00 | $55.83 |
| $100,000 | $1,340.00 | $111.67 |
| $200,000 | $2,680.00 | $223.33 |
| $500,000 | $6,700.00 | $558.33 |
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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