Florida is one of the few administered-pricing states left: the Office of Insurance Regulation approves a single NCCI rate set, and every carrier charges those rates. You can’t shop the base rate in Florida — but dividends, classification accuracy, payroll handling, and audit outcomes still separate what identical businesses actually pay.

The current rate environment in Florida

Commissioner Yaworsky approved an average 6.9% rate decrease effective January 1, 2026 — Florida’s ninth consecutive annual decrease. New and renewal policies from that date use the reduced rates automatically.

Florida rates by class code (approved rates effective January 1, 2026)

These are the uniform OIR-approved rates from the NCCI filing effective January 1, 2026 — the rates every Florida carrier charges (NCCI’s 2026 filing moved Florida to three-decimal precision; values shown rounded to the cent).

Class Code	Classification	Rate per $100 payroll
8810	Clerical office	$0.11
8832	Physician office & clerical	$0.22
9586	Barber shop / beauty parlor	$0.43
9082	Restaurant NOC	$1.16
8017	Retail store NOC	$1.18
8380	Automobile service or repair	$1.67
9014	Janitorial services	$2.45
0042	Landscape gardening	$4.14
5645	Carpentry — residential	$7.69

Source: Florida OIR final order (approved NCCI filing), effective January 1, 2026. Uniform administered rates before experience modification and credits; Florida construction classes also interact with exemption rules that change who counts as payroll.

What determines your Florida premium

• Class codes — every job type carries its own rate; misclassification is the most common cause of overpayment
• Payroll — premium is calculated per $100 of payroll, by class
• Experience mod — your claims history versus similar businesses scales the whole premium up or down
• Carrier pricing — in Florida the rate is fixed by the OIR-approved filing — carriers compete on dividends, service, and audit fairness instead
• Credits and programs — safety programs, dividend plans, and pay-as-you-go options move the net cost

How to get the best rate in Florida

The rate tables are only the starting point: the carrier you land with, the accuracy of your class codes, and how your payroll is reported decide what you actually pay. We quote Florida businesses across a dozen A-rated markets and show you the comparison — including pay-as-you-go billing that matches premium to actual payroll. See our Florida workers’ comp guide and Florida forms & resources for the rest of the picture.

Florida rate FAQs

Can I get a cheaper workers’ comp rate by switching carriers in Florida?

Not on the base rate — Florida’s administered pricing means every carrier charges the same OIR-approved rates. Savings come from dividend plans, correct classification, exemption handling, and clean audits — which is what we shop for Florida clients.

Did Florida workers’ comp rates go down for 2026?

Yes — an average 6.9% decrease effective January 1, 2026, approved by the OIR. It’s Florida’s ninth consecutive annual rate decrease.

What is the Florida workers’ comp rate for restaurants?

Restaurant NOC (class 9082) is $1.16 per $100 of payroll under the rates effective January 1, 2026 — charged uniformly by every carrier before experience rating and credits.