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 8263
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $4.67 | — | NCCI FL Filing |
| 2025 | $5.27 | +12.8% (+$0.60) | NCCI FL Filing |
| 2024 | $5.34 | +1.3% (+$0.07) | NCCI FL −15.1% overall |
| 2023 | $6.35 | +18.9% (+$1.01) | NCCI FL Filing |
| 2022 | $6.53 | +2.8% (+$0.18) | 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
Junk Dealer & Drivers- Collecting or Handling
Junk dealers and drivers who collect or handle second-hand items, such as scrap metal, appliances, and furniture, fall under this classification. These businesses operate in a high-risk environment, exposed to physical harm from heavy lifting, hazardous materials, and equipment accidents, which elevates their insurance premiums. Pay-as-you-go PEO workers comp is a natural fit for junk dealers and drivers, as it allows them to pay premiums based on actual payroll, reducing the financial burden and providing increased cash flow for operational expenses.
Quick Premium Estimate
Based on the 2026 filed rate of $4.67 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $2,335.00 | $194.58 |
| $100,000 | $4,670.00 | $389.17 |
| $200,000 | $9,340.00 | $778.33 |
| $500,000 | $23,350.00 | $1,945.83 |
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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