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 7855
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $2.30 | — | NCCI FL Filing |
| 2025 | $2.57 | +11.7% (+$0.27) | NCCI FL Filing |
| 2024 | $2.72 | +5.8% (+$0.15) | NCCI FL −15.1% overall |
| 2023 | $3.46 | +27.2% (+$0.74) | NCCI FL Filing |
| 2022 | $3.70 | +6.9% (+$0.24) | 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
Railroad Construction- Track Laying or Maintenance
Workers' compensation class code 7855 — "Railroad Construction- Track Laying or Maintenance" — covers Florida heavy and civil construction workers. This classification includes employees involved in road building, dam construction, sewer installation, tunnel work, and other large-scale infrastructure projects that form the backbone of Florida's expanding transportation and utility network.
The 2025 Florida filed rate for code 7855 is $3.47 per $100 of payroll. Rate history: 2022: $3.7, 2023: $4.22, 2024: $3.7, 2025: $3.47. Rates for this code have declined 6.2% since 2022 — part of Florida's broader workers' comp market improvement driven by tort reform and loss-cost reductions approved by FLOIR. Heavy construction is among the higher-risk workers' comp classifications due to equipment-related injuries, trenching and excavation cave-ins, and struck-by hazards from heavy machinery. Florida's ongoing infrastructure investment — including I-4 Ultimate, the Brightline expansion, and major water system upgrades — keeps this sector active and well-staffed.
Florida heavy construction employers must comply with OSHA's construction standards (29 CFR Part 1926), including excavation safety (Subpart P), crane safety (Subpart CC), and fall protection (Subpart M). FDOT and county project specifications often impose additional safety requirements above OSHA minimums. Certified competent persons for excavation and crane operations are required by OSHA on most large jobsites.
Workers' comp costs in heavy construction are significantly affected by the experience modification rate (EMR), which many Florida project owners and GCs require to be at or below 1.0 for bidding eligibility. Maintaining a low EMR through documented safety programs, prompt injury reporting, and return-to-work initiatives is both a cost control and business development strategy for Florida civil contractors.
Quick Premium Estimate
Based on the 2026 filed rate of $2.30 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $1,150.00 | $95.83 |
| $100,000 | $2,300.00 | $191.67 |
| $200,000 | $4,600.00 | $383.33 |
| $500,000 | $11,500.00 | $958.33 |
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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