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 8102
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $1.60 | — | NCCI FL Filing |
| 2025 | $1.72 | +7.5% (+$0.12) | NCCI FL Filing |
| 2024 | $1.62 | -5.8% ($0.10) | NCCI FL −15.1% overall |
| 2023 | $1.86 | +14.8% (+$0.24) | NCCI FL Filing |
| 2022 | $2.00 | +7.5% (+$0.14) | 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
Seed Merchant
As a seed merchant, this business type typically encompasses operations such as wholesale or retail sales of seeds, fertilizers, and other horticultural products, often involving warehouse or delivery staff. In Florida, risk profile for this class may include physical labor, warehouse accidents, and possible chemical exposure due to the nature of their products. A pay-as-you-go PEO workers comp model is a natural fit for seed merchants, as it allows for flexibility in adjusting premium payments to align with fluctuating business needs, reducing financial burdens and providing more predictable cash flow.
Quick Premium Estimate
Based on the 2026 filed rate of $1.60 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $800.00 | $66.67 |
| $100,000 | $1,600.00 | $133.33 |
| $200,000 | $3,200.00 | $266.67 |
| $500,000 | $8,000.00 | $666.67 |
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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