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 8232
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $3.85 | — | NCCI FL Filing |
| 2025 | $4.03 | +4.7% (+$0.18) | NCCI FL Filing |
| 2024 | $4.01 | -0.5% ($0.02) | NCCI FL −15.1% overall |
| 2023 | $4.53 | +13.0% (+$0.52) | NCCI FL Filing |
| 2022 | $4.90 | +8.2% (+$0.37) | 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
Lumberyard-New Materials Only-Warehouse EE's & Drivers
Lumberyards with new materials only, warehouse employees, and drivers fall under this class code, which involves low to moderate physical labor and minimal equipment operation. In Florida, businesses under this class code typically experience a lower risk profile due to the warehouse-based nature of the work, with fewer on-site hazards and lower injury rates compared to other industries. A pay-as-you-go PEO workers comp solution is a natural fit for these businesses, providing flexibility and cost savings by only paying for workers comp coverage as needed, aligning with the typical fluctuations in labor costs and project-based workloads.
Quick Premium Estimate
Based on the 2026 filed rate of $3.85 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $1,925.00 | $160.42 |
| $100,000 | $3,850.00 | $320.83 |
| $200,000 | $7,700.00 | $641.67 |
| $500,000 | $19,250.00 | $1,604.17 |
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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