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 8106
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $3.54 | — | NCCI FL Filing |
| 2025 | $3.69 | +4.2% (+$0.15) | NCCI FL Filing |
| 2024 | $3.84 | +4.1% (+$0.15) | NCCI FL −15.1% overall |
| 2023 | $4.64 | +20.8% (+$0.80) | NCCI FL Filing |
| 2022 | $5.25 | +13.1% (+$0.61) | 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
Iron or Steel Merchant & Drivers
This class code covers iron or steel merchant drivers and workers involved in the transportation and distribution of steel products, typically operating heavy equipment and vehicles. The general Florida risk profile for this class is moderate to high due to the potential for injuries from heavy lifting, equipment accidents, and vehicular incidents. Pay-as-you-go PEO workers comp is a natural fit for this class as it allows businesses to manage fluctuating labor costs and avoid large upfront premium payments, providing a more predictable and manageable financial burden.
Quick Premium Estimate
Based on the 2026 filed rate of $3.54 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $1,770.00 | $147.50 |
| $100,000 | $3,540.00 | $295.00 |
| $200,000 | $7,080.00 | $590.00 |
| $500,000 | $17,700.00 | $1,475.00 |
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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