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 8385
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $1.89 | — | NCCI FL Filing |
| 2025 | $2.15 | +13.8% (+$0.26) | NCCI FL Filing |
| 2024 | $2.07 | -3.7% ($0.08) | NCCI FL −15.1% overall |
| 2023 | $2.40 | +15.9% (+$0.33) | NCCI FL Filing |
| 2022 | $2.70 | +12.5% (+$0.30) | 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
Garage Employees=Bus Company
Workers' compensation class code 8385 covers "Garage Employees=Bus Company" — Florida automotive service, repair, and retail employees. Florida's large vehicle population, year-round driving conditions, and active used car market support a substantial automotive services sector employing mechanics, service writers, parts staff, detailers, and sales professionals.
The 2025 Florida filed rate for code 8385 is $2.03 per $100 of payroll. Historical data: 2022: $2.7, 2023: $2.4, 2024: $2.16, 2025: $2.03. Rates for this code have declined 24.8% since 2022 — part of Florida's broader workers' comp market improvement driven by tort reform and loss-cost reductions approved by FLOIR. Auto service workers face injury risks from lifting and straining on vehicles, chemical exposure from fluids and solvents, slip-and-fall hazards on shop floors, and burns from engine components. Florida's heat and humidity also increase the risk of heat-related illness for technicians working in non-air-conditioned service bays.
Florida auto service employers should maintain OSHA-compliant shop safety programs including proper floor maintenance to prevent slips, training on safe lifting techniques and use of hoists, and hazard communication programs for all automotive chemicals and fluids. Florida DEP regulations also apply to used oil, refrigerant, and battery disposal.
Accurate classification within the auto service sector is important — service technicians, parts drivers, detailers, and sales staff may carry different NCCI codes. Florida dealerships and independent shops benefit from working with workers' comp specialists who understand automotive industry classification rules and can ensure proper premium calculation.
Quick Premium Estimate
Based on the 2026 filed rate of $1.89 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $945.00 | $78.75 |
| $100,000 | $1,890.00 | $157.50 |
| $200,000 | $3,780.00 | $315.00 |
| $500,000 | $9,450.00 | $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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