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 9410
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $1.99 | — | NCCI FL Filing |
| 2025 | $2.07 | +4.0% (+$0.08) | NCCI FL Filing |
| 2024 | $1.99 | -3.9% ($0.08) | NCCI FL −15.1% overall |
| 2023 | $2.44 | +22.6% (+$0.45) | NCCI FL Filing |
| 2022 | $5.78 | +136.9% (+$3.34) | 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
Municipal
Municipal workers in Florida often fall under this class code, encompassing employees in government offices, public works departments, and municipal services. This classification typically presents a moderate to low risk profile, as these workers are often involved in administrative and support roles rather than high-hazard occupations. For this class of workers, a pay-as-you-go PEO workers comp solution is a natural fit, as it allows businesses to avoid the upfront costs of annual premium payments and instead pay premiums based on actual payroll expenses.
Quick Premium Estimate
Based on the 2026 filed rate of $1.99 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $995.00 | $82.92 |
| $100,000 | $1,990.00 | $165.83 |
| $200,000 | $3,980.00 | $331.67 |
| $500,000 | $9,950.00 | $829.17 |
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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