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 8227
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $3.37 | — | NCCI FL Filing |
| 2025 | $3.59 | +6.5% (+$0.22) | NCCI FL Filing |
| 2024 | $3.95 | +10.0% (+$0.36) | NCCI FL −15.1% overall |
| 2023 | $4.56 | +15.4% (+$0.61) | NCCI FL Filing |
| 2022 | $5.16 | +13.2% (+$0.60) | 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
Constructruction - Permanent Yard
Construction businesses operating permanent yards in Florida typically fall under this class code, encompassing a range of industries such as heavy equipment rental, storage facilities, and other industrial operations. The risk profile for this class is moderate to high, with potential hazards including heavy machinery, hazardous materials, and employee injury from repetitive tasks. Pay-as-you-go PEO workers comp is a natural fit for these businesses, as it allows them to manage their workers comp costs more accurately and avoid the financial strain of unpredictable and intermittent payroll fluctuations.
Quick Premium Estimate
Based on the 2026 filed rate of $3.37 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $1,685.00 | $140.42 |
| $100,000 | $3,370.00 | $280.83 |
| $200,000 | $6,740.00 | $561.67 |
| $500,000 | $16,850.00 | $1,404.17 |
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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