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 9082
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $1.16 | — | NCCI FL Filing |
| 2025 | $1.24 | +6.9% (+$0.08) | NCCI FL Filing |
| 2024 | $1.22 | -1.6% ($0.02) | NCCI FL −15.1% overall |
| 2023 | $1.47 | +20.5% (+$0.25) | NCCI FL Filing |
| 2022 | $1.56 | +6.1% (+$0.09) | 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
Restaurant
Restaurant employees in Florida often fall under a moderate to high-risk profile, with hazards such as slips, trips, and falls, as well as potential exposure to foodborne illnesses and kitchen equipment accidents. As a PEO agency, GarrettRichard can help these businesses manage their workers comp costs effectively, especially with pay-as-you-go options that allow for real-time adjustments to premium payments based on actual payroll and claims experience. This flexibility is particularly beneficial for restaurants with fluctuating staffing levels or seasonal fluctuations in business volume.
Quick Premium Estimate
Based on the 2026 filed rate of $1.16 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $580.00 | $48.33 |
| $100,000 | $1,160.00 | $96.67 |
| $200,000 | $2,320.00 | $193.33 |
| $500,000 | $5,800.00 | $483.33 |
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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