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 5403
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $4.36 | — | NCCI FL Filing |
| 2025 | $4.51 | +3.4% (+$0.15) | NCCI FL Filing |
| 2024 | $4.54 | +0.7% (+$0.03) | NCCI FL −15.1% overall |
| 2023 | $5.30 | +16.7% (+$0.76) | NCCI FL Filing |
| 2022 | $6.17 | +16.4% (+$0.87) | 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
Carpentry - Wood-Termite Control or Wood Playgrounds
This code includes all general carpentry work not otherwise classified. These operations can be used to construct wood bridges, decks, wood silos, tanks, gazebos, pergolas, trellises, wood or plastic playgrounds, and the repair work involving termite control.
Quick Premium Estimate
Based on the 2026 filed rate of $4.36 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $2,180.00 | $181.67 |
| $100,000 | $4,360.00 | $363.33 |
| $200,000 | $8,720.00 | $726.67 |
| $500,000 | $21,800.00 | $1,816.67 |
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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