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 9015
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $2.57 | — | NCCI FL Filing |
| 2025 | $2.68 | +4.3% (+$0.11) | NCCI FL Filing |
| 2024 | $2.74 | +2.2% (+$0.06) | NCCI FL −15.1% overall |
| 2023 | $3.30 | +20.4% (+$0.56) | NCCI FL Filing |
| 2022 | $3.64 | +10.3% (+$0.34) | 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
Property MGMT by Owner-Maintenance-All Other EE's
Workers' compensation class code 9015 covers "Property MGMT by Owner-Maintenance-All Other EE's" — Florida real estate, property management, and building operations employees. Florida's active real estate market — driven by population growth, tourism investment, and commercial development — employs a large workforce in property management, building maintenance, leasing, and related support services.
The 2025 Florida filed rate for code 9015 is $2.8 per $100 of payroll. Historical rates: 2022: $3.64, 2023: $3.3, 2024: $2.98, 2025: $2.80. Rates for this code have declined 23.1% since 2022 — part of Florida's broader workers' comp market improvement driven by tort reform and loss-cost reductions approved by FLOIR. Real estate and property management workers face a range of hazards depending on their role — maintenance technicians who work with electrical systems, HVAC, and plumbing face meaningful injury exposure, while leasing agents and office staff carry minimal risk. Proper payroll segregation across these functions is important for premium accuracy.
Florida property management companies must maintain workers' comp coverage for maintenance staff who perform a range of tasks that can expose them to electrical, fall, and ergonomic hazards. Florida's condominium and homeowner association market creates additional employers — HOA-employed maintenance staff must be properly covered under the association's workers' comp policy.
Florida real estate operations that use independent contractors for maintenance or renovation work must verify that those contractors carry their own workers' comp insurance. Florida law can make the property owner liable for workers' comp benefits if an uninsured contractor is injured on the property — making certificate of insurance collection a critical risk management practice.
Quick Premium Estimate
Based on the 2026 filed rate of $2.57 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $1,285.00 | $107.08 |
| $100,000 | $2,570.00 | $214.17 |
| $200,000 | $5,140.00 | $428.33 |
| $500,000 | $12,850.00 | $1,070.83 |
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 9015
See exactly what you should be paying for this code vs. what you could pay with us.
Get Instant Quote Talk to a Specialist