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 7405
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $0.65 | — | NCCI FL Filing |
| 2025 | $0.77 | +18.5% (+$0.12) | NCCI FL Filing |
| 2024 | $0.72 | -6.5% ($0.05) | NCCI FL −15.1% overall |
| 2023 | $0.88 | +22.2% (+$0.16) | NCCI FL Filing |
| 2022 | $0.98 | +11.4% (+$0.10) | 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
Aviation-Flying Crew-Scheduled or Commuter
Workers' compensation class code 7405 — "Aviation-Flying Crew-Scheduled or Commuter" — covers Florida aviation industry employees, including flight crew, ground support, maintenance technicians, and charter operations personnel. Florida's major airports (MIA, MCO, TPA, FLL) and extensive general aviation network make this one of the most active aviation markets in the United States.
The 2025 Florida filed rate for code 7405 is $0.74 per $100 of payroll. Rate history: 2022: $0.98, 2023: $0.88, 2024: $0.79, 2025: $0.74. Rates for this code have declined 24.5% since 2022 — part of Florida's broader workers' comp market improvement driven by tort reform and loss-cost reductions approved by FLOIR. Aviation workers' comp rates reflect the unique occupational hazards of the industry, which vary significantly between flying crew (accident exposure, pressure changes, fatigue) and ground operations (equipment injuries, jet blast, fuel exposure). Florida's flight training industry — one of the largest in the world — adds substantial employee count in this classification.
Florida aviation employers must comply with both FAA regulations and OSHA general industry standards. Flight crew members are subject to FAA medical certification requirements, which often interface with workers' comp claims management. Ground support and maintenance operations have distinct hazard profiles requiring separate OSHA program elements from flight operations.
Aviation is one of the more complex workers' comp classifications to manage, and Florida employers in this sector benefit from working with specialists who understand both the regulatory environment and the insurance market for aviation risks. Accurate classification of flying versus non-flying employees, and proper segregation of flight time payroll, are critical for premium accuracy.
Quick Premium Estimate
Based on the 2026 filed rate of $0.65 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $325.00 | $27.08 |
| $100,000 | $650.00 | $54.17 |
| $200,000 | $1,300.00 | $108.33 |
| $500,000 | $3,250.00 | $270.83 |
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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