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 8869
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $0.93 | — | NCCI FL Filing |
| 2025 | $1.03 | +10.8% (+$0.10) | NCCI FL Filing |
| 2024 | $1.00 | -2.9% ($0.03) | NCCI FL −15.1% overall |
| 2023 | $1.17 | +17.0% (+$0.17) | NCCI FL Filing |
| 2022 | $1.31 | +12.0% (+$0.14) | 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
Child Care Center-Professional EE's
Workers' compensation class code 8869 — "Child Care Center-Professional EE's" — covers Florida educational institution employees. Florida's extensive network of public schools, private schools, colleges, universities, and childcare centers employs a large and diverse workforce that requires careful NCCI classification across teaching, support, maintenance, and administrative roles.
The 2025 Florida filed rate for code 8869 is $1.23 per $100 of payroll. Rate history: 2022: $1.31, 2023: $1.45, 2024: $1.31, 2025: $1.23. Rates for this code have declined 6.1% since 2022 — part of Florida's broader workers' comp market improvement driven by tort reform and loss-cost reductions approved by FLOIR. Educational workers face a range of hazards depending on their role — from physical education and maintenance staff who carry higher injury risk, to classroom teachers and office staff with lower exposure. Florida's specific requirements for background screening, student safety, and facility standards create additional compliance context for educational employers.
Florida educational employers should ensure that workers' comp coverage and classification reflect actual job functions. Maintenance and custodial employees, cafeteria workers, and bus drivers all carry different NCCI codes than professional teaching and administrative staff. Proper segregation of these payroll categories can significantly affect overall premium.
Florida private schools and childcare centers that are not part of a larger system often find that joining a PEO or educational cooperative provides better workers' comp rates and HR support than purchasing coverage independently. Florida's school safety requirements and DCF childcare licensing standards also create HR compliance obligations that PEOs can help manage.
Quick Premium Estimate
Based on the 2026 filed rate of $0.93 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $465.00 | $38.75 |
| $100,000 | $930.00 | $77.50 |
| $200,000 | $1,860.00 | $155.00 |
| $500,000 | $4,650.00 | $387.50 |
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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