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 9410
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $1.99 | — | NCCI FL Filing |
| 2025 | $2.07 | +4.0% (+$0.08) | NCCI FL Filing |
| 2024 | $1.99 | -3.9% ($0.08) | NCCI FL −15.1% overall |
| 2023 | $2.44 | +22.6% (+$0.45) | NCCI FL Filing |
| 2022 | $5.78 | +136.9% (+$3.34) | 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
Municipal
Workers' compensation class code 9410 covers "Municipal" — Florida public safety employees including police officers, firefighters, and municipal workers. Florida's municipalities, counties, and special districts employ tens of thousands of public safety workers who face among the most physically demanding and hazardous working conditions of any occupation.
The 2025 Florida filed rate for code 9410 is $2.07 per $100 of payroll. Historical data: 2022: $5.78, 2023: $2.44, 2024: $2.20, 2025: $2.07. Rates for this code have declined 64.2% since 2022 — part of Florida's broader workers' comp market improvement driven by tort reform and loss-cost reductions approved by FLOIR. Public safety workers face high rates of musculoskeletal injury from physical demands, stress-related conditions, exposure to traumatic incidents, and hazards specific to their role — vehicle accidents for law enforcement, fire and smoke exposure for firefighters. Florida has specific supplemental benefits for public safety officers injured in the line of duty.
Florida municipalities must comply with OSHA standards for public safety operations, as well as NFPA standards for fire department operations. Florida Statute Chapter 112 provides special workers' comp benefits for law enforcement and firefighters, including presumption of work-relatedness for certain cancers, heart disease, and tuberculosis — which significantly affects claims management and cost.
Most Florida municipalities and counties that are large enough self-insure their workers' comp obligations, often through the Florida League of Cities or Florida Association of Counties self-insurance programs. Smaller municipalities and special districts typically find competitive coverage through public entity pools or specialty carriers with Florida public sector experience.
Quick Premium Estimate
Based on the 2026 filed rate of $1.99 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $995.00 | $82.92 |
| $100,000 | $1,990.00 | $165.83 |
| $200,000 | $3,980.00 | $331.67 |
| $500,000 | $9,950.00 | $829.17 |
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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