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 8017
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $1.18 | — | NCCI FL Filing |
| 2025 | $1.24 | +5.1% (+$0.06) | NCCI FL Filing |
| 2024 | $1.20 | -3.2% ($0.04) | NCCI FL −15.1% overall |
| 2023 | $1.35 | +12.5% (+$0.15) | NCCI FL Filing |
| 2022 | $1.41 | +4.4% (+$0.06) | 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
Retail Store
This class code covers retail stores and businesses that engage in the sale of goods, encompassing a wide range of establishments from small boutiques to large department stores. In Florida, retail stores are generally considered to have a moderate risk profile, with a potential for frequent minor injuries and occasional major accidents due to customer interaction and fast-paced work environments. Pay-as-you-go PEO workers comp is a natural fit for this class, as it provides cash flow management and reduced upfront costs, allowing retail businesses to better manage their workers comp expenses and stay competitive in the market.
Quick Premium Estimate
Based on the 2026 filed rate of $1.18 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $590.00 | $49.17 |
| $100,000 | $1,180.00 | $98.33 |
| $200,000 | $2,360.00 | $196.67 |
| $500,000 | $5,900.00 | $491.67 |
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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