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 0153
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $2.52 | — | NCCI FL Filing |
| 2025 | $2.94 | +16.7% (+$0.42) | NCCI FL Filing |
| 2024 | $3.08 | +4.8% (+$0.14) | NCCI FL −15.1% overall |
| 2023 | $3.58 | +16.2% (+$0.50) | NCCI FL Filing |
| 2022 | $4.02 | +12.3% (+$0.44) | 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
Lawn/Shrub Spraying Including Drivers
Workers' compensation class code 0153 — "Lawn/Shrub Spraying Including Drivers" — applies to Florida trucking, transportation, and delivery operations. Florida's position as a major logistics hub — with I-95, I-75, and the Florida Turnpike carrying massive freight volume — makes this one of the highest-payroll classifications in the state for workers' comp purposes.
The 2025 Florida filed rate for code 0153 is $3.77 per $100 of payroll. Rate history: 2022: $4.02, 2023: $5.22, 2024: $4.02, 2025: $3.77. Rates for this code have declined 6.2% since 2022 — part of Florida's broader workers' comp market improvement driven by tort reform and loss-cost reductions approved by FLOIR. Trucking classifications carry elevated workers' comp rates due to motor vehicle accident exposure, loading and unloading injuries, and the physical demands of commercial driving. Florida's high traffic density and year-round trucking activity mean consistent exposure for employees in this classification.
Florida trucking employers must maintain DOT compliance, driver qualification files, and drug and alcohol testing programs in addition to workers' comp obligations. OSHA standards for loading dock safety, forklift operation, and vehicle maintenance all impact injury frequency. Proper driver qualification and vehicle maintenance programs directly reduce both accident frequency and workers' comp costs.
For Florida transportation businesses, accurately classifying drivers versus warehouse, clerical, and sales staff is critical — misclassifying office employees under a trucking code significantly inflates premiums. A PEO with transportation industry experience can help manage both the compliance complexity and the workers' comp cost, often providing access to group rates unavailable to smaller carriers.
Quick Premium Estimate
Based on the 2026 filed rate of $2.52 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $1,260.00 | $105.00 |
| $100,000 | $2,520.00 | $210.00 |
| $200,000 | $5,040.00 | $420.00 |
| $500,000 | $12,600.00 | $1,050.00 |
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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