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 8292
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $2.46 | — | NCCI FL Filing |
| 2025 | $2.75 | +11.8% (+$0.29) | NCCI FL Filing |
| 2024 | $2.94 | +6.9% (+$0.19) | NCCI FL −15.1% overall |
| 2023 | $3.76 | +27.9% (+$0.82) | NCCI FL Filing |
| 2022 | $4.30 | +14.4% (+$0.54) | 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
Storage Warehouse
Storage warehouse businesses and employees handling inventory management and storage operations are typically covered under this class code. The risk profile in this industry generally indicates a moderate to high likelihood of workplace injuries, particularly from lifting heavy objects and equipment malfunctions. Pay-as-you-go workers compensation through a PEO like GarrettRichard is a natural fit for this class, as it allows businesses to better manage cash flow and reduce the upfront costs associated with traditional workers comp policies.
Quick Premium Estimate
Based on the 2026 filed rate of $2.46 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $1,230.00 | $102.50 |
| $100,000 | $2,460.00 | $205.00 |
| $200,000 | $4,920.00 | $410.00 |
| $500,000 | $12,300.00 | $1,025.00 |
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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