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 4568
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $1.70 | — | NCCI FL Filing |
| 2025 | $1.76 | +3.5% (+$0.06) | NCCI FL Filing |
| 2024 | $1.75 | -0.6% ($0.01) | NCCI FL −15.1% overall |
| 2023 | $1.89 | +8.0% (+$0.14) | NCCI FL Filing |
| 2022 | $1.88 | -0.5% ($0.01) | 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
Salt or Borax Refining- Materials received from others
Workers' compensation class code 4568 covers "Salt or Borax Refining- Materials received from others" — Florida oil, gas, and petroleum industry operations. While Florida's onshore oil production is limited compared to other states, the state has significant oil refining, pipeline, petroleum product distribution, and gas utility operations employing workers classified under this and related NCCI codes.
The 2025 Florida filed rate for code 4568 is $1.6 per $100 of payroll. Historical rate data: 2022: $1.88, 2023: $1.89, 2024: $1.70, 2025: $1.60. Rates for this code have declined 14.9% since 2022 — part of Florida's broader workers' comp market improvement driven by tort reform and loss-cost reductions approved by FLOIR. Oil and gas workers face hazards including hydrocarbon fire and explosion risk, toxic gas exposure, high-pressure equipment, and falls. Florida petroleum distribution workers face additional motor vehicle accident exposure. NCCI rates for oil and gas classifications reflect the severity-weighted loss history of this industry nationwide.
Florida petroleum employers must comply with OSHA process safety management (PSM) standards at refineries and large storage facilities, DOT pipeline safety regulations for pipeline operations, and standard OSHA general industry requirements for distribution terminals. Emergency response planning, hot work permit systems, and confined space entry programs are all required elements.
Oil and gas classifications in Florida are typically underwritten by specialty carriers with energy industry expertise. Larger operations may self-insure or use captive structures. Smaller petroleum distributors and service contractors often find the best rates through specialty brokers or PEOs with energy sector experience who can negotiate group rates from admitted Florida carriers.
Quick Premium Estimate
Based on the 2026 filed rate of $1.70 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $850.00 | $70.83 |
| $100,000 | $1,700.00 | $141.67 |
| $200,000 | $3,400.00 | $283.33 |
| $500,000 | $8,500.00 | $708.33 |
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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