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 4000
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $3.61 | — | NCCI FL Filing |
| 2025 | $4.04 | +11.9% (+$0.43) | NCCI FL Filing |
| 2024 | $3.75 | -7.2% ($0.29) | NCCI FL −15.1% overall |
| 2023 | $4.42 | +17.9% (+$0.67) | NCCI FL Filing |
| 2022 | $5.07 | +14.7% (+$0.65) | 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
Gravel or Sand Digging- Excavation of Surface Pits
Workers' compensation class code 4000 — "Gravel or Sand Digging- Excavation of Surface Pits" — applies to Florida's mining, quarrying, and mineral extraction operations. Florida's phosphate belt, limestone quarries, and sand/gravel operations support significant industrial activity, employing workers who operate heavy extraction equipment in physically demanding and potentially hazardous environments.
The 2025 Florida filed rate for code 4000 is $3.75 per $100 of payroll. Historical rates: 2022: $5.07, 2023: $4.42, 2024: $3.99, 2025: $3.75. Rates for this code have declined 26% since 2022 — part of Florida's broader workers' comp market improvement driven by tort reform and loss-cost reductions approved by FLOIR. Mining and extraction work carries elevated injury risk from heavy equipment, falling materials, silica dust exposure, and confined space hazards. Florida's mineral extraction industries — particularly phosphate, which is critical to global fertilizer supply — require careful workers' comp classification to reflect actual employee duties.
Florida mining employers must comply with both OSHA and MSHA standards depending on operation type. Silica exposure controls, respiratory protection programs, and equipment lockout/tagout procedures are mandatory compliance requirements. Accurate payroll segregation between extraction crew, maintenance, and administrative employees prevents premium overcharges at audit.
Larger mining operations may benefit from a captive insurance structure or group self-insurance arrangement, while smaller operators typically find the best rates through a PEO with heavy-industry expertise. In either case, maintaining a low EMR through documented safety programs and prompt injury reporting is the most effective long-term cost control strategy.
Quick Premium Estimate
Based on the 2026 filed rate of $3.61 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $1,805.00 | $150.42 |
| $100,000 | $3,610.00 | $300.83 |
| $200,000 | $7,220.00 | $601.67 |
| $500,000 | $18,050.00 | $1,504.17 |
These are estimates based on the filed rate only and do not include SUTA, admin fees, or other charges. Get a full itemized quote →
Get a Real Quote for Code 4000
See exactly what you should be paying for this code vs. what you could pay with us.
Get Instant Quote Talk to a Specialist