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 7205
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $6.69 | — | NCCI FL Filing |
| 2025 | $7.76 | +16.0% (+$1.07) | NCCI FL Filing |
| 2024 | $7.94 | +2.3% (+$0.18) | NCCI FL −15.1% overall |
| 2023 | $9.77 | +23.0% (+$1.83) | NCCI FL Filing |
| 2022 | $10.82 | +10.7% (+$1.05) | 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
Horse Training
Workers' compensation class code 7205 covers "Horse Training" — Florida animal breeding, stable, and livestock operations employees. Florida has an active equine industry centered in the Ocala area — one of the largest horse breeding regions in the United States — along with greyhound racing operations, livestock farming, and companion animal businesses throughout the state.
The 2025 Florida filed rate for code 7205 is $8.27 per $100 of payroll. Historical data: 2022: $10.82, 2023: $9.77, 2024: $8.81, 2025: $8.27. Rates for this code have declined 23.6% since 2022 — part of Florida's broader workers' comp market improvement driven by tort reform and loss-cost reductions approved by FLOIR. Animal handling workers face some of the highest injury rates in agriculture — kicks, bites, falls from horses, and unpredictable animal behavior create significant injury exposure. Florida's equine industry in particular generates substantial workers' comp claims from grooms, trainers, jockeys, and farm workers.
Florida equine and livestock employers should implement comprehensive animal handling training, proper PPE use (boots, helmets where appropriate), and facility design that minimizes worker exposure to dangerous animal behaviors. Prompt injury reporting and access to occupational medicine providers experienced in agricultural injuries are important for effective claims management.
Florida's equine industry — particularly in Marion County — has a network of workers' comp specialists experienced in horse farm operations. Many Florida horse farms work with agricultural PEOs or specialty insurers to access workers' comp coverage that accounts for the unique risk profile of equine businesses, including the distinction between working students, employees, and independent contractors.
Quick Premium Estimate
Based on the 2026 filed rate of $6.69 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $3,345.00 | $278.75 |
| $100,000 | $6,690.00 | $557.50 |
| $200,000 | $13,380.00 | $1,115.00 |
| $500,000 | $33,450.00 | $2,787.50 |
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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