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 8748
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $0.32 | — | NCCI FL Filing |
| 2025 | $0.36 | +12.5% (+$0.04) | NCCI FL Filing |
| 2024 | $0.43 | +19.4% (+$0.07) | NCCI FL −15.1% overall |
| 2023 | $0.53 | +23.3% (+$0.10) | NCCI FL Filing |
| 2022 | $0.58 | +9.4% (+$0.05) | 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
Automobile Salespersons
Workers' compensation class code 8748 covers "Automobile Salespersons" — Florida professional services, office, and clerical employees. This classification includes workers in law firms, accounting practices, engineering offices, real estate companies, sales organizations, and other professional service businesses that form a significant part of Florida's white-collar economy.
The 2025 Florida filed rate for code 8748 is $0.54 per $100 of payroll. Rate history: 2022: $0.58, 2023: $0.61, 2024: $0.58, 2025: $0.54. Rates for this code have declined 6.9% since 2022 — part of Florida's broader workers' comp market improvement driven by tort reform and loss-cost reductions approved by FLOIR. Office and professional classifications carry among Florida's lowest workers' comp rates, reflecting the minimal physical hazard exposure of desk-based work. The primary injury concerns are ergonomic disorders (carpal tunnel, back strain from prolonged sitting), slip-and-fall incidents in office common areas, and automobile accidents for employees who travel for work.
Florida professional services employers should address ergonomic workstation assessment for office employees, proper chair and monitor positioning, and documented policies for any driving-for-work activities. Employees who travel to client sites or work from home create additional classification questions that should be reviewed with a workers' comp specialist.
For Florida professional services firms, workers' comp costs are generally manageable but should still be reviewed regularly for classification accuracy. Outside sales employees, IT field staff, and messengers often carry different — higher — NCCI codes than pure clerical workers. Ensuring proper payroll segregation keeps premiums aligned with actual exposure.
Quick Premium Estimate
Based on the 2026 filed rate of $0.32 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $160.00 | $13.33 |
| $100,000 | $320.00 | $26.67 |
| $200,000 | $640.00 | $53.33 |
| $500,000 | $1,600.00 | $133.33 |
These are estimates based on the filed rate only and do not include SUTA, admin fees, or other charges. Get a full itemized quote →
Get a Real Quote for Code 8748
See exactly what you should be paying for this code vs. what you could pay with us.
Get Instant Quote Talk to a Specialist