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 8869
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $0.93 | — | NCCI FL Filing |
| 2025 | $1.03 | +10.8% (+$0.10) | NCCI FL Filing |
| 2024 | $1.00 | -2.9% ($0.03) | NCCI FL −15.1% overall |
| 2023 | $1.17 | +17.0% (+$0.17) | NCCI FL Filing |
| 2022 | $1.31 | +12.0% (+$0.14) | 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
Child Care Center-Professional EE's
Child care centers employing professional employees in Florida are at a heightened risk for workers' compensation claims, particularly due to the physical demands of caring for children and the emotional stresses associated with the role. This elevated risk profile necessitates robust workers' compensation coverage, making pay-as-you-go PEO workers comp a natural fit for these businesses. By partnering with a PEO agency like GarrettRichard, child care center owners can more effectively manage their workers' comp costs and minimize the financial impact of potential claims.
Quick Premium Estimate
Based on the 2026 filed rate of $0.93 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $465.00 | $38.75 |
| $100,000 | $930.00 | $77.50 |
| $200,000 | $1,860.00 | $155.00 |
| $500,000 | $4,650.00 | $387.50 |
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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