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 9093
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $1.02 | — | NCCI FL Filing |
| 2025 | $1.09 | +6.9% (+$0.07) | NCCI FL Filing |
| 2024 | $1.14 | +4.6% (+$0.05) | NCCI FL −15.1% overall |
| 2023 | $1.38 | +21.1% (+$0.24) | NCCI FL Filing |
| 2022 | $1.52 | +10.1% (+$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
Bowling Lane
Workers' compensation class code 9093 — "Bowling Lane" — covers Florida's hotel, restaurant, bar, and entertainment venue employees. Florida's massive tourism and hospitality industry is one of the largest employer sectors in the state, with hospitality businesses ranging from theme park resort hotels to independent restaurants and nightlife venues.
The 2025 Florida filed rate for code 9093 is $1.43 per $100 of payroll. Historical data: 2022: $1.52, 2023: $1.83, 2024: $1.52, 2025: $1.43. Rates for this code have declined 5.9% since 2022 — part of Florida's broader workers' comp market improvement driven by tort reform and loss-cost reductions approved by FLOIR. Hospitality workers face slip-and-fall hazards, burn injuries from kitchen equipment, lifting injuries from housekeeping and food service duties, and exposure to cleaning chemicals. Florida's year-round tourism season creates consistently high payroll volumes in this sector, making accurate workers' comp classification important for cost management.
Florida hospitality employers should focus on slip prevention programs (non-slip mats, proper footwear, wet floor signage), safe food handling and kitchen equipment safety, and ergonomic training for housekeeping and banquet staff. OSHA has specific guidelines for restaurant and hotel operations, and Florida DBPR licensing requirements create additional compliance obligations.
Florida's hospitality industry is well-served by PEOs that specialize in restaurant and hotel operations. A PEO can provide group workers' comp rates significantly below what independent restaurants and hotels typically obtain, along with HR support for the high-turnover workforce typical in this sector. Accurate tip reporting and seasonal payroll management also affect premium calculations.
Quick Premium Estimate
Based on the 2026 filed rate of $1.02 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $510.00 | $42.50 |
| $100,000 | $1,020.00 | $85.00 |
| $200,000 | $2,040.00 | $170.00 |
| $500,000 | $5,100.00 | $425.00 |
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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