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 2735
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $3.81 | — | NCCI FL Filing |
| 2025 | $4.18 | +9.7% (+$0.37) | NCCI FL Filing |
| 2024 | $3.93 | -6.0% ($0.25) | NCCI FL −15.1% overall |
| 2023 | $4.43 | +12.7% (+$0.50) | NCCI FL Filing |
| 2022 | $4.55 | +2.7% (+$0.12) | 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
Furniture - Wood-Manufacturing
Workers' compensation class code 2735 covers "Furniture - Wood-Manufacturing" — operations in Florida's timber, logging, and wood products industries. These workers perform some of the most physically hazardous work in the state, operating chainsaws, heavy equipment, and mill machinery in environments with constant fall, crush, and laceration hazards.
The 2025 Florida workers' comp rate for code 2735 is $3.76 per $100 of payroll. Rate history: 2022: $4.55, 2023: $4.43, 2024: $4.00, 2025: $3.76. Rates for this code have declined 17.4% since 2022 — part of Florida's broader workers' comp market improvement driven by tort reform and loss-cost reductions approved by FLOIR. Logging and sawmill classifications consistently rank among Florida's higher-rate codes due to the significant frequency and severity of injuries in this sector. NCCI actuarial data for this classification reflects elevated loss costs from equipment-related injuries and fatalities.
Florida timber operations must maintain rigorous OSHA compliance, including chainsaw safety training, PPE requirements, and machine guarding on all mill equipment. Employers should conduct regular safety audits, document all training, and implement a formal incident reporting process. A strong safety culture and low experience modification rate (EMR) can meaningfully reduce workers' comp costs over time.
For Florida wood products businesses, working with a PEO experienced in high-hazard classifications can provide access to group rates and professional HR support that smaller operations cannot obtain independently. Proper classification of workers — particularly distinguishing between field logging crews and yard/clerical staff — is critical for accurate premium assessment.
Quick Premium Estimate
Based on the 2026 filed rate of $3.81 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $1,905.00 | $158.75 |
| $100,000 | $3,810.00 | $317.50 |
| $200,000 | $7,620.00 | $635.00 |
| $500,000 | $19,050.00 | $1,587.50 |
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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