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 8039
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $1.48 | — | NCCI FL Filing |
| 2025 | $1.51 | +2.0% (+$0.03) | NCCI FL Filing |
| 2024 | $1.43 | -5.3% ($0.08) | NCCI FL −15.1% overall |
| 2023 | $1.67 | +16.8% (+$0.24) | NCCI FL Filing |
| 2022 | $1.59 | -4.8% ($0.08) | 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 Department Store
Retail Department Stores in Florida encompass a wide range of businesses, including clothing stores, home goods retailers, and specialty stores, typically with multiple employees handling sales, inventory management, and customer service. The general risk profile for this class is moderate, with potential hazards including slips, trips, and falls, as well as ergonomic risks from repetitive tasks and workplace violence. Pay-as-you-go PEO workers comp is a natural fit for this class, allowing businesses to spread their workers comp costs and avoid large upfront premium payments, making it easier to manage cash flow and budget for the year.
Quick Premium Estimate
Based on the 2026 filed rate of $1.48 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $740.00 | $61.67 |
| $100,000 | $1,480.00 | $123.33 |
| $200,000 | $2,960.00 | $246.67 |
| $500,000 | $7,400.00 | $616.67 |
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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