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 8204
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $2.82 | — | NCCI FL Filing |
| 2025 | $3.17 | +12.4% (+$0.35) | NCCI FL Filing |
| 2024 | $3.45 | +8.8% (+$0.28) | NCCI FL −15.1% overall |
| 2023 | $4.12 | +19.4% (+$0.67) | NCCI FL Filing |
| 2022 | $4.68 | +13.6% (+$0.56) | 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
Building Material Yard & Local Managers
Workers in this class are typically involved in the storage and distribution of building materials, with local managers overseeing operations. The Florida risk profile for this class suggests a moderate risk of workplace injuries due to manual labor and equipment usage. Pay-as-you-go PEO workers comp is a natural fit for this class, as it allows businesses to budget based on their actual workers comp costs, providing greater financial flexibility and reduced upfront expenses.
Quick Premium Estimate
Based on the 2026 filed rate of $2.82 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $1,410.00 | $117.50 |
| $100,000 | $2,820.00 | $235.00 |
| $200,000 | $5,640.00 | $470.00 |
| $500,000 | $14,100.00 | $1,175.00 |
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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