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 9505
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $2.57 | — | NCCI FL Filing |
| 2025 | $2.49 | -3.1% ($0.08) | NCCI FL Filing |
| 2024 | $2.37 | -4.8% ($0.12) | NCCI FL −15.1% overall |
| 2023 | $2.83 | +19.4% (+$0.46) | NCCI FL Filing |
| 2022 | $3.33 | +17.7% (+$0.50) | 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
Painting: Automobile or Carriage Bodies
Workers' compensation class code 9505 — "Painting: Automobile or Carriage Bodies" — covers Florida painting contractors and shop painting operations. Florida's large construction market, frequent exterior repainting driven by sun and humidity exposure, and active commercial real estate sector create consistent demand for painting contractors across the state.
The 2025 Florida filed rate for code 9505 is $2.39 per $100 of payroll. Rate history: 2022: $3.33, 2023: $2.83, 2024: $2.55, 2025: $2.39. Rates for this code have declined 28.2% since 2022 — part of Florida's broader workers' comp market improvement driven by tort reform and loss-cost reductions approved by FLOIR. Painters face fall hazards from ladders and scaffolding, solvent and coating chemical exposure, and lead paint hazards in renovation work on pre-1978 buildings. Florida OSHA requires EPA RRP (Renovation, Repair and Painting) certification for contractors working on older residential properties, adding compliance obligations beyond standard workers' comp requirements.
Florida painting contractors should maintain comprehensive fall protection programs, respiratory protection for solvent-based coating work, and lead-safe work practice certification where applicable. Proper ladder inspection, scaffold erection procedures, and heat illness prevention for exterior work in Florida's climate are all important safety program elements.
Workers' comp rates for painting contractors are directly affected by the experience modification rate. Florida painting companies that document safety training, report injuries promptly, and implement return-to-work programs consistently achieve lower EMRs and more competitive insurance rates than industry averages.
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 →
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