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 7590
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $2.81 | — | NCCI FL Filing |
| 2025 | $3.30 | +17.4% (+$0.49) | NCCI FL Filing |
| 2024 | $3.36 | +1.8% (+$0.06) | NCCI FL −15.1% overall |
| 2023 | $3.51 | +4.5% (+$0.15) | NCCI FL Filing |
| 2022 | $3.61 | +2.8% (+$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
Garbage Works-Reduction & Inceneration
Workers' compensation class code 7590 — "Garbage Works-Reduction & Inceneration" — covers Florida municipal services workers engaged in solid waste collection, street maintenance, sewage treatment, and utility operations. These employees perform essential public infrastructure work, often in outdoor environments with equipment and vehicle hazard exposure.
The 2025 Florida filed rate for code 7590 is $2.98 per $100 of payroll. Rate history: 2022: $3.61, 2023: $3.51, 2024: $3.17, 2025: $2.98. Rates for this code have declined 17.5% since 2022 — part of Florida's broader workers' comp market improvement driven by tort reform and loss-cost reductions approved by FLOIR. Municipal services workers face struck-by hazards from traffic at roadside work zones, equipment-related injuries, heat illness from outdoor work in Florida's climate, and hazardous material exposure in sewage and solid waste operations. Florida's growth and resulting infrastructure expansion keeps this workforce active and exposed.
Florida public works employers must comply with OSHA's roadway work zone safety standards, confined space entry requirements for sewage and utility work, and heat illness prevention programs for outdoor workers. Florida OSHA has historically cited municipal employers for roadway work zone violations and confined space program deficiencies.
Florida municipalities and counties managing solid waste and public works operations typically self-insure or participate in public entity pools. Private contractors performing municipal services work — solid waste hauling, street sweeping, utility maintenance — access the commercial workers' comp market and often benefit from specialty programs designed for government contract work.
Quick Premium Estimate
Based on the 2026 filed rate of $2.81 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $1,405.00 | $117.08 |
| $100,000 | $2,810.00 | $234.17 |
| $200,000 | $5,620.00 | $468.33 |
| $500,000 | $14,050.00 | $1,170.83 |
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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