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 3881
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $2.42 | — | NCCI FL Filing |
| 2025 | $2.66 | +9.9% (+$0.24) | NCCI FL Filing |
| 2024 | $1.93 | -27.4% ($0.73) | NCCI FL −15.1% overall |
| 2023 | $2.94 | +52.3% (+$1.01) | NCCI FL Filing |
| 2022 | $3.09 | +5.1% (+$0.15) | 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
Railroad Car Maker- Rebuilding & Repairing included
Workers' compensation class code 3881 — "Railroad Car Maker- Rebuilding & Repairing included" — covers Florida railroad operations employees. Florida's rail network supports freight operations by major Class I carriers (CSX, Norfolk Southern) as well as passenger rail operations including Brightline, Amtrak, and South Florida commuter rail systems. Railroad workers face unique occupational hazards addressed by both OSHA and the Federal Railroad Administration.
The 2025 Florida filed rate for code 3881 is $2.49 per $100 of payroll. Rate history: 2022: $3.09, 2023: $2.94, 2024: $2.65, 2025: $2.49. Rates for this code have declined 19.4% since 2022 — part of Florida's broader workers' comp market improvement driven by tort reform and loss-cost reductions approved by FLOIR. Railroad workers face struck-by hazards from trains and equipment, slip and fall risks on roadbed and equipment, and ergonomic demands of track maintenance work. Florida's expanding passenger rail network has increased employment in this classification in recent years.
Many railroad employees are covered under the Federal Employers' Liability Act (FELA) rather than state workers' comp, which is an important coverage determination for Florida rail employers. FELA claims are litigated differently from state workers' comp claims and typically result in higher settlement values. Florida rail contractors who are not common carriers typically fall under state workers' comp.
Florida railroad contractors and infrastructure support companies should work with insurance professionals who understand the FELA versus state workers' comp coverage determination and can properly structure coverage for their specific operations. Track maintenance, signal work, and bridge crews may all require different coverage arrangements.
Quick Premium Estimate
Based on the 2026 filed rate of $2.42 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $1,210.00 | $100.83 |
| $100,000 | $2,420.00 | $201.67 |
| $200,000 | $4,840.00 | $403.33 |
| $500,000 | $12,100.00 | $1,008.33 |
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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