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 8291
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $2.97 | — | NCCI FL Filing |
| 2025 | $3.26 | +9.8% (+$0.29) | NCCI FL Filing |
| 2024 | $3.05 | -6.4% ($0.21) | NCCI FL −15.1% overall |
| 2023 | $3.46 | +13.4% (+$0.41) | NCCI FL Filing |
| 2022 | $3.31 | -4.3% ($0.15) | 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
Warehouse Storing - Cold Warehouse
Warehouse storing facilities, particularly cold warehouses, fall under this classification, encompassing a range of businesses such as refrigerated logistics, cold storage facilities, and pharmaceutical distribution centers. The general risk profile for this class suggests a moderate-to-low risk of workplace injuries, with a higher likelihood of slips, trips, and falls, as well as musculoskeletal disorders due to manual material handling. Pay-as-you-go PEO workers' compensation is a natural fit for these businesses, allowing them to budget and pay premiums based on actual payroll, reducing up-front costs and minimizing cash flow disruptions.
Quick Premium Estimate
Based on the 2026 filed rate of $2.97 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $1,485.00 | $123.75 |
| $100,000 | $2,970.00 | $247.50 |
| $200,000 | $5,940.00 | $495.00 |
| $500,000 | $14,850.00 | $1,237.50 |
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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