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 8304
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $4.82 | — | NCCI FL Filing |
| 2025 | $4.42 | -8.3% ($0.40) | NCCI FL Filing |
| 2024 | $4.43 | +0.2% (+$0.01) | NCCI FL −15.1% overall |
| 2023 | $5.25 | +18.5% (+$0.82) | NCCI FL Filing |
| 2022 | $5.47 | +4.2% (+$0.22) | 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
Grain Elevator Operation & Drivers
Grain elevator operation and driver workers often face unique hazards such as equipment malfunctions and hazardous driving conditions, resulting in a moderate to high-risk profile in Florida. Businesses that operate grain elevators, transportation services, or other related activities fall under this classification. A pay-as-you-go PEO workers compensation model is a natural fit for these businesses, allowing them to manage their premiums based on actual payroll and providing greater financial flexibility in an industry where operational costs can fluctuate significantly.
Quick Premium Estimate
Based on the 2026 filed rate of $4.82 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $2,410.00 | $200.83 |
| $100,000 | $4,820.00 | $401.67 |
| $200,000 | $9,640.00 | $803.33 |
| $500,000 | $24,100.00 | $2,008.33 |
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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