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 9047
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $1.94 | — | NCCI FL Filing |
| 2025 | $2.15 | +10.8% (+$0.21) | NCCI FL Filing |
| 2024 | $2.20 | +2.3% (+$0.05) | NCCI FL −15.1% overall |
| 2023 | $2.56 | +16.4% (+$0.36) | NCCI FL Filing |
| 2022 | $2.73 | +6.6% (+$0.17) | 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
Nursing Home- All Other EE's
Workers' compensation class code 9047 — "Nursing Home- All Other EE's" — covers Florida healthcare industry workers. Florida has one of the largest healthcare workforces in the country, driven by the state's large and growing senior population, major hospital systems, and extensive home health and long-term care industry. Proper workers' comp classification is critical across the many distinct roles in Florida's healthcare sector.
The 2025 Florida filed rate for code 9047 is $2.17 per $100 of payroll. Rate history: 2022: $2.73, 2023: $2.56, 2024: $2.31, 2025: $2.17. Rates for this code have declined 20.5% since 2022 — part of Florida's broader workers' comp market improvement driven by tort reform and loss-cost reductions approved by FLOIR. Healthcare workers face patient handling injuries (the leading cause of worker injury in healthcare), needlestick and sharps exposures, workplace violence from patients, and biological hazard exposure. Florida's senior care facilities — nursing homes, assisted living, and home health — generate substantial workers' comp exposure in this and related classifications.
Florida healthcare employers must maintain OSHA bloodborne pathogen programs, implement safe patient handling programs (which Florida has led nationally in developing), and address workplace violence prevention — particularly in emergency department and behavioral health settings. The Joint Commission and CMS survey requirements often parallel and reinforce OSHA safety standards.
Florida home health and nursing home operators often face the dual challenge of high claim frequency and difficulty finding competitive workers' comp coverage. PEOs with healthcare industry expertise can provide group rates, risk management support, and HR compliance assistance tailored to Florida's specific healthcare regulatory environment — including FS Chapter 400 and AHCA licensing requirements.
Quick Premium Estimate
Based on the 2026 filed rate of $1.94 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $970.00 | $80.83 |
| $100,000 | $1,940.00 | $161.67 |
| $200,000 | $3,880.00 | $323.33 |
| $500,000 | $9,700.00 | $808.33 |
These are estimates based on the filed rate only and do not include SUTA, admin fees, or other charges. Get a full itemized quote →
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