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 3307
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $1.81 | — | NCCI FL Filing |
| 2025 | $1.85 | +2.2% (+$0.04) | NCCI FL Filing |
| 2024 | $1.88 | +1.6% (+$0.03) | NCCI FL −15.1% overall |
| 2023 | $2.25 | +19.7% (+$0.37) | NCCI FL Filing |
| 2022 | $2.57 | +14.2% (+$0.32) | 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
Metal Heat Treating
Workers' compensation class code 3307 covers "Metal Heat Treating" — workers in Florida's metal fabrication, foundry, and steel products manufacturing sector. These employees operate heavy presses, forging equipment, welding tools, and finishing machinery in environments with significant heat, noise, and mechanical hazard exposure.
The 2025 Florida filed rate for code 3307 is $1.91 per $100 of payroll. Historical data: 2022: $2.57, 2023: $2.25, 2024: $2.03, 2025: $1.91. Rates for this code have declined 25.7% since 2022 — part of Florida's broader workers' comp market improvement driven by tort reform and loss-cost reductions approved by FLOIR. Metal fabrication and foundry operations generate elevated workers' comp claims due to burn injuries, crush injuries from equipment, and respiratory exposure from metal fumes and grinding dust. Florida's growing aerospace and defense manufacturing sector has increased demand for precision metalwork employees in recent years.
Florida metal fabrication employers should implement comprehensive machine guarding programs, personal protective equipment standards (face shields, heat-resistant gloves, respirators), and OSHA lockout/tagout procedures. Regular air quality monitoring for metal fume exposure and noise level compliance with OSHA 1910.95 are both required and directly impact long-term workers' comp costs.
Accurate payroll classification is critical in metalwork operations, where a single facility may have employees classified under multiple NCCI codes — from foundry workers and machinists to shipping clerks and sales staff. Working with a workers' comp specialist or PEO ensures proper segregation, minimizing premium at audit while maintaining full coverage for all employees.
Quick Premium Estimate
Based on the 2026 filed rate of $1.81 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $905.00 | $75.42 |
| $100,000 | $1,810.00 | $150.83 |
| $200,000 | $3,620.00 | $301.67 |
| $500,000 | $9,050.00 | $754.17 |
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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