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 9516
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $1.63 | — | NCCI FL Filing |
| 2025 | $1.75 | +7.4% (+$0.12) | NCCI FL Filing |
| 2024 | $1.74 | -0.6% ($0.01) | NCCI FL −15.1% overall |
| 2023 | $2.03 | +16.7% (+$0.29) | NCCI FL Filing |
| 2022 | $2.40 | +18.2% (+$0.37) | 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
Radio
Workers' compensation class code 9516 — "Radio" — covers Florida telecommunications, broadcasting, and cable industry employees. Florida's large population, major media markets (Miami, Tampa, Orlando), and extensive cable and broadband infrastructure create substantial employment across field installation crews, broadcast operations, and support personnel.
The 2025 Florida filed rate for code 9516 is $1.72 per $100 of payroll. Rate history: 2022: $2.4, 2023: $2.03, 2024: $1.83, 2025: $1.72. Rates for this code have declined 28.3% since 2022 — part of Florida's broader workers' comp market improvement driven by tort reform and loss-cost reductions approved by FLOIR. Telecom workers face injury risks from pole climbing and tower work, trenching and underground cable installation, vehicle accidents during service calls, and repetitive motion from cable installation work. Florida's hurricane season creates surge demand for telecom restoration crews, increasing exposure during storm recovery periods.
Florida telecommunications employers must maintain OSHA-compliant programs for telecommunications work (29 CFR 1910.268), including fall protection for pole climbing, electrical hazard training for cable workers, and traffic control plans for roadside work. Tower climbing operations are subject to additional OSHA guidance and increasingly, ANSI/TIA standards for tower access.
Florida cable and internet service providers often use a mix of direct employees and subcontractors for installation work. Verifying that all subcontractors carry adequate workers' comp insurance is essential — Florida's workers' comp laws can create liability for the prime contractor if an uninsured subcontractor employee is injured. Specialty telecom workers' comp programs are available that account for the field-work-heavy nature of this industry.
Quick Premium Estimate
Based on the 2026 filed rate of $1.63 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $815.00 | $67.92 |
| $100,000 | $1,630.00 | $135.83 |
| $200,000 | $3,260.00 | $271.67 |
| $500,000 | $8,150.00 | $679.17 |
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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