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 8291
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $2.97 | — | NCCI FL Filing |
| 2025 | $3.26 | +9.8% (+$0.29) | NCCI FL Filing |
| 2024 | $3.05 | -6.4% ($0.21) | NCCI FL −15.1% overall |
| 2023 | $3.46 | +13.4% (+$0.41) | NCCI FL Filing |
| 2022 | $3.31 | -4.3% ($0.15) | 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
Warehouse Storing - Cold Warehouse
Workers' compensation class code 8291 covers "Warehouse Storing - Cold Warehouse" — Florida warehouse, storage, distribution, and salvage operations employees. Florida's position as a major logistics and distribution hub — serving both domestic and Latin American markets — makes this one of the more active warehouse and freight classifications in the southeastern United States.
The 2025 Florida filed rate for code 8291 is $3.11 per $100 of payroll. Historical rates: 2022: $3.31, 2023: $3.81, 2024: $3.31, 2025: $3.11. Rates for this code have declined 6% since 2022 — part of Florida's broader workers' comp market improvement driven by tort reform and loss-cost reductions approved by FLOIR. Warehouse workers face material handling injuries, forklift-related incidents, racking system hazards, and slip-and-fall risks. Florida distribution centers for major retailers and e-commerce operations have significantly grown this workforce in recent years, increasing the importance of proper workers' comp classification for warehouse employers.
Florida warehouse employers must maintain OSHA-compliant powered industrial truck programs, racking inspection procedures, and material handling safety training. Forklift operator certification, dock plate safety, and stretch wrap equipment safety are all common loss drivers in Florida distribution operations. Proper lighting and temperature control in Florida's climate also affect both productivity and injury risk.
Accurate payroll segregation between warehouse workers, truck drivers, clerical staff, and management is critical for minimizing workers' comp premium. Florida distribution operations that use staffing agencies for warehouse labor must ensure proper certificates of insurance are maintained — otherwise the host employer may be liable for workers' comp coverage for the leased employees.
Quick Premium Estimate
Based on the 2026 filed rate of $2.97 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $1,485.00 | $123.75 |
| $100,000 | $2,970.00 | $247.50 |
| $200,000 | $5,940.00 | $495.00 |
| $500,000 | $14,850.00 | $1,237.50 |
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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