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 1853
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $1.94 | — | NCCI FL Filing |
| 2025 | $1.78 | -8.2% ($0.16) | NCCI FL Filing |
| 2024 | $1.57 | -11.8% ($0.21) | NCCI FL −15.1% overall |
| 2023 | $1.85 | +17.8% (+$0.28) | NCCI FL Filing |
| 2022 | $2.03 | +9.7% (+$0.18) | 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
Asbestos Manufacturing from Flake- MICA GOODS
Workers' compensation class code 1853 covers "Asbestos Manufacturing from Flake- MICA GOODS" — employees who work with hazardous materials, chemicals, explosives, or other high-risk substances in Florida industrial settings. These workers require specialized training, personal protective equipment, and strict adherence to safety protocols that directly impact workers' comp loss experience.
The 2025 Florida filed rate for code 1853 is $1.57 per $100 of payroll. Rate history: 2022: $2.03, 2023: $1.85, 2024: $1.67, 2025: $1.57. Rates for this code have declined 22.7% since 2022 — part of Florida's broader workers' comp market improvement driven by tort reform and loss-cost reductions approved by FLOIR. Hazardous materials classifications carry elevated workers' comp rates due to the potential severity of chemical exposure injuries, burns, and toxic inhalation incidents. Florida OSHA and EPA regulations create additional compliance obligations for employers in this sector beyond standard workplace safety requirements.
Florida employers handling hazardous materials must maintain OSHA Hazard Communication (HazCom) programs, Safety Data Sheets (SDS) for all chemicals, and written emergency response plans. Respiratory protection programs, medical surveillance for chemical exposures, and proper PPE selection are all mandatory for this classification. EPA reporting obligations under SARA Title III may also apply.
Hazardous materials operations are typically underwritten by specialty carriers who conduct thorough risk assessments before binding coverage. Florida employers in this classification should work with an insurance professional experienced in chemical and hazmat operations to ensure proper coverage, competitive pricing, and compliance with all required safety program documentation.
Quick Premium Estimate
Based on the 2026 filed rate of $1.94 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $970.00 | $80.83 |
| $100,000 | $1,940.00 | $161.67 |
| $200,000 | $3,880.00 | $323.33 |
| $500,000 | $9,700.00 | $808.33 |
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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