Florida commercial insurance rate filings (2026)
Every commercial-insurance carrier writing business in Florida files its loss costs and rating values with the state's insurance regulator — the primary-source records that drive every commercial quote in Florida. This page summarizes the 1353 active filings we track for Florida across 16 line(s) of business and 2 classification(s).
How Workers' Comp rates are set in Florida
Florida runs a private Workers' Comp market. Rate filings are reviewed by the Florida Department of Financial Services, Division of Insurance Agent and Agency Services. The governing authority is Florida Statutes Chapter 626 (Insurance Field Representatives and Operations). You can confirm any Florida carrier or agent is licensed with the state's license-lookup tool. We track 2 distinct classification(s) for Florida across 1353 active filing(s). Workers' Comp loss costs are filed by NCCI in most states or by an independent state rating bureau; your actual premium is that filed loss cost multiplied by your carrier's loss-cost multiplier (LCM), your experience modifier, and your payroll divided by $100 — so two Florida businesses in the same classification can pay very different rates. Comparing quotes from multiple carriers is the only way to see how those multipliers differ for your specific operation.
The lines represented are Commercial Auto, Commercial Multiple Peril, Commercial Property, Fidelity, Surety, Inland Marine, Workers Compensation, Directors & Officers Liability, Employment Practices Liability, Fiduciary Liability, Commercial Umbrella, Commercial Professional Liability, Liquor Liability, Product Liability, Commercial Crime, Commercial General Liability. The most-recent Florida filing we track is effective July 2026. Every row below links to its SERFF tracking number so the Florida regulator record can be verified.
Workers' Compensation covers medical bills and lost wages for Florida employees injured on the job — mandatory in Florida once you have staff. Commercial Auto covers vehicles a Florida business owns or operates, from liability to physical damage. General Liability covers third-party bodily-injury and property-damage claims against a Florida operation. Commercial Property covers a Florida business's own building, equipment, and inventory.
In Florida, Commercial General Liability carriers earned about $7.4B in premiums at a 66.2% loss ratio and a -12.5% underwriting profit (NAIC 2023). In Florida, Commercial Auto carriers earned about $4.7B in premiums at a 86.8% loss ratio and a -24.8% underwriting profit (NAIC 2023). In Florida, Commercial Multiple Peril carriers earned about $3.5B in premiums at a 37.5% loss ratio and a 16.6% underwriting profit (NAIC 2023). In Florida, Workers Compensation carriers earned about $3.5B in premiums at a 49.4% loss ratio and a 8.5% underwriting profit (NAIC 2023). In Florida, Commercial Property carriers earned about $2.5B in premiums at a 30.9% loss ratio and a 39.4% underwriting profit (NAIC 2023). In Florida, Inland Marine carriers earned about $2.5B in premiums at a 43.9% loss ratio and a 21.5% underwriting profit (NAIC 2023). In Florida, Medical Professional Liability carriers earned about $932M in premiums at a 53.5% loss ratio and a 2.5% underwriting profit (NAIC 2023). In Florida, Product Liability carriers earned about $343M in premiums at a 56% loss ratio and a -7.8% underwriting profit (NAIC 2023). These market-level results come from the NAIC Report on Profitability by Line by State — a primary-source view of how each commercial line actually performs in Florida, beyond the filed loss costs above.
- Florida rate filings are public, primary-source records; every figure here traces to a SERFF tracking number you can verify with the state regulator.
- Your actual Florida premium depends on your class code, carrier loss-cost multiplier, experience modifier, and payroll — the filed loss cost is only the starting point.
Recent rate-filing activity — 8 state filings across 1 commercial line
Commercial carriers can't charge whatever they want — each state's Department of Insurance must approve loss-cost filings before they take effect. These are primary-source, government-held records available on SERFF Filing Access. Cited below: the most-recent active filings affecting commercial operations, with the real SERFF tracking number for each.
| Line | State | Overall change | Effective | SERFF tracking |
|---|---|---|---|---|
| WC | FL | Overall -6.9% adjustment to voluntary rate level | Jan 1, 2026 | FLOIR-NCCI-2026-FL-WC |
| WC | FL | filing on record (magnitude not publicly disclosed) | Mar 1, 2025 | FLOIR-FWC-25-003645 |
| WC | FL | filing on record (magnitude not publicly disclosed) | Feb 20, 2025 | FLOIR-FWC-24-108799 |
| WC | FL | filing on record (magnitude not publicly disclosed) | Feb 20, 2025 | FLOIR-FWC-25-002949 |
| WC | FL | filing on record (magnitude not publicly disclosed) | Feb 3, 2025 | FLOIR-FWC-24-108909 |
| WC | FL | filing on record (magnitude not publicly disclosed) | Feb 3, 2025 | FLOIR-FWC-24-104042 |
| WC | FL | filing on record (magnitude not publicly disclosed) | Feb 1, 2025 | FLOIR-FWC-24-108441 |
| WC | FL | filing on record (magnitude not publicly disclosed) | Feb 1, 2025 | FLOIR-FWC-24-108440 |
Source: SERFF Filing Access (filingaccess.serff.com) — the official public-records interface for state Department of Insurance filings. Loss-cost changes shown are the overall bureau-wide change in each state; the actual impact on your quote depends on your class code, payroll, experience modifier, and carrier-specific loss-cost multiplier (LCM). Get a quote for your exact numbers.
Get a real Florida quote
Bureau-filed loss-cost changes are the regulator-approved starting point — actual premium depends on your class code, payroll, experience modifier, schedule credits/debits, and the carrier's LCM. Request a free Florida quote in under 90 seconds.
Get a free Florida quote →Florida filed rates by coverage
Coverage-specific Florida rate-filing detail — bureau loss costs, recent filings, and how carriers price each line:
Related Florida cost pages
Florida-specific cost guides for the verticals we cover:
Florida insurance profitability by line (2023 NAIC)
How profitable each commercial line runs in Florida — loss ratio (incurred losses ÷ premiums earned); lower is more profitable for carriers:
Source: NAIC 2023 Report on Profitability by Line by State · compare every line & state →