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 9521
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $2.58 | — | NCCI FL Filing |
| 2025 | $2.78 | +7.8% (+$0.20) | NCCI FL Filing |
| 2024 | $2.98 | +7.2% (+$0.20) | NCCI FL −15.1% overall |
| 2023 | $3.52 | +18.1% (+$0.54) | NCCI FL Filing |
| 2022 | $3.83 | +8.8% (+$0.31) | 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
Home Furnishing Installation & Upholstering
The Home Furnishing Installation and Upholstering class covers businesses that specialize in installing and upholstering furniture, including interior decorators, custom furniture makers, and furniture restoration services. In Florida, this class tends to have a higher risk profile due to the physical demands of the work, with workers often experiencing strains, sprains, and musculoskeletal injuries. Pay-as-you-go PEO workers comp is a natural fit for this class, as it allows businesses to pay only for the workers comp coverage they need, helping to reduce costs and improve cash flow.
Quick Premium Estimate
Based on the 2026 filed rate of $2.58 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $1,290.00 | $107.50 |
| $100,000 | $2,580.00 | $215.00 |
| $200,000 | $5,160.00 | $430.00 |
| $500,000 | $12,900.00 | $1,075.00 |
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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