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 4240
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $1.84 | — | NCCI FL Filing |
| 2025 | $2.02 | +9.8% (+$0.18) | NCCI FL Filing |
| 2024 | $2.23 | +10.4% (+$0.21) | NCCI FL −15.1% overall |
| 2023 | $2.92 | +30.9% (+$0.69) | NCCI FL Filing |
| 2022 | $3.73 | +27.7% (+$0.81) | 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
Paper Box Manufacturing
Workers' compensation class code 4240 covers "Paper Box Manufacturing" — employees in Florida's paper manufacturing, printing, and publishing industries. Florida has a significant commercial printing sector serving hospitality, retail, and corporate markets, along with paper and packaging production facilities serving the state's consumer goods industry.
The 2025 Florida filed rate for code 4240 is $2.47 per $100 of payroll. Rate history: 2022: $3.73, 2023: $2.92, 2024: $2.63, 2025: $2.47. Rates for this code have declined 33.8% since 2022 — part of Florida's broader workers' comp market improvement driven by tort reform and loss-cost reductions approved by FLOIR. Paper and printing workers face injury risks from high-speed press equipment, paper handling machinery, ink and solvent exposure, and noise from production equipment. The printing industry has seen significant technological change in recent decades, but physical plant operations still generate meaningful workers' comp exposure.
Florida printing and paper employers must maintain OSHA-compliant machine guarding programs, hearing conservation programs (1910.95) for noisy press environments, and chemical handling procedures for inks, solvents, and coating materials. Process safety for press wash-up chemicals and proper ventilation design are both important risk control and regulatory compliance elements.
Workers' comp costs in printing are highly affected by the experience modification rate, which rewards strong safety programs and prompt injury reporting with lower premiums. Florida printers should review their NCCI class code assignments carefully — shop operations, delivery, and outside sales all carry different codes and rates.
Quick Premium Estimate
Based on the 2026 filed rate of $1.84 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $920.00 | $76.67 |
| $100,000 | $1,840.00 | $153.33 |
| $200,000 | $3,680.00 | $306.67 |
| $500,000 | $9,200.00 | $766.67 |
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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