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 5651
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $4.89 | — | NCCI FL Filing |
| 2025 | $5.24 | +7.2% (+$0.35) | NCCI FL Filing |
| 2024 | $5.87 | +12.0% (+$0.63) | NCCI FL −15.1% overall |
| 2023 | $6.72 | +14.5% (+$0.85) | NCCI FL Filing |
| 2022 | $7.68 | +14.3% (+$0.96) | 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
Framers-3 Stories or Less-
This code applies to employees that perform carpentry related to construction and siding installation work for multi-dwelling residences of three stories of less. Work covered under this code generally includes construction of the sill, rough framing, rough flooring, studs and joists, rafters and roof deck, all roofing materials, sidewall sheathing, siding, doors, wallboard installation, lathing, windows, stairs, finished flooring, cabinet installation, fencing, decking, interior wood trim, and construction of any detached structures.
Quick Premium Estimate
Based on the 2026 filed rate of $4.89 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $2,445.00 | $203.75 |
| $100,000 | $4,890.00 | $407.50 |
| $200,000 | $9,780.00 | $815.00 |
| $500,000 | $24,450.00 | $2,037.50 |
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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