Workers compensation rate filings in Florida (2026)
Every carrier writing workers compensation coverage in Florida files its rates and rating rules with the state's insurance regulator — the primary-source records behind every workers compensation quote in Florida. This page tracks the 15 active workers compensation filing(s) on record for Florida, filed by 13 distinct carrier(s).
Workers compensation rate filings in Florida 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. A workers compensation premium in Florida is built from each carrier's filed base rates and rating rules applied to your business's exposure — the classification of your operation and the rating basis for this line. Because every carrier files its own rates and loadings, two Florida businesses with the same profile can be quoted very different workers compensation premiums, which is exactly why comparing multiple carriers is the only reliable way to see where you land.
Carriers with workers compensation filings on record in Florida include National Council on Compensation Insurance (NCCI), WCF NATIONAL INSURANCE COMPANY, HORIZON MIDWEST CASUALTY COMPANY, IQUE INSURANCE COMPANY, FLORIDA CITRUS, BUSINESS & INDUSTRIES FUND, MIDSOUTH INSURANCE COMPANY, MIDVALE INDEMNITY COMPANY, NGM INSURANCE COMPANY, RIVERSTONE INTERNATIONAL INSURANCE, INC., BEARING MIDWEST CASUALTY COMPANY, FLORIDA WORKERS COMPENSATION JUA, NATIONAL COUNCIL ON COMPENSATION INSURANCE, INC., and 1 more. These are filings on record — Florida's public system reports the carrier, line, and effective date but not the rate-change magnitude for every row. The most-recent workers compensation filing we track for Florida is effective January 2026. Every row below cites its filing reference so the Florida regulator record can be verified.
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.
National Council on Compensation Insurance (NCCI) filed FLOIR-2025-11-17-WC effective January 2026 (active). WCF NATIONAL INSURANCE COMPANY filed FWC 25-003645 effective March 2025 (approved). HORIZON MIDWEST CASUALTY COMPANY filed FWC 24-108799 effective February 2025 (active). IQUE INSURANCE COMPANY filed FWC 25-002949 effective February 2025 (approved). FLORIDA CITRUS, BUSINESS & INDUSTRIES FUND filed FWC 24-108909 effective February 2025 (approved). MIDSOUTH INSURANCE COMPANY filed FWC 24-104042 effective February 2025 (approved). MIDVALE INDEMNITY COMPANY filed FWC 24-108441 effective February 2025 (approved). NGM INSURANCE COMPANY filed FWC 24-108440 effective February 2025 (approved). RIVERSTONE INTERNATIONAL INSURANCE, INC. filed FWC 24-096552 effective February 2025 (approved). BEARING MIDWEST CASUALTY COMPANY filed FWC 24-104363 effective January 2025 (approved). FLORIDA WORKERS COMPENSATION JUA filed FWC 24-104484 effective January 2025 (approved). FLORIDA WORKERS COMPENSATION JUA filed FWC 24-104437 effective January 2025 (active). NATIONAL COUNCIL ON COMPENSATION INSURANCE, INC. filed FWC 24-041867 effective January 2025 (approved). NATIONAL COUNCIL ON COMPENSATION INSURANCE, INC. filed FWC 24-068742 effective January 2025 (approved). UPMC HEALTH BENEFITS INC filed FWC 24-104527 effective January 2025 (active).
Workers' Compensation covers medical bills and lost wages for Florida employees injured on the job, and is mandatory in Florida once a business has staff.
Across Florida, workers compensation carriers earned about $3.5B in premiums at a 49.4% loss ratio and a 8.5% underwriting profit (NAIC 2023). That market-level result comes from the NAIC Report on Profitability by Line by State — a primary-source view of how workers compensation actually performs in Florida, beyond any single carrier's filing.
Key takeaways for Florida workers compensation
- Florida workers compensation rate filings are public, primary-source records — every figure here traces to a filing reference you can verify with the state regulator.
- Your actual Florida workers compensation premium depends on your classification, exposure basis, and each carrier's filed rates and loadings — the filings below are the starting point, not a single market price.
- Comparing quotes from multiple carriers is the only way to see how Florida workers compensation rates differ for your specific operation.
Get a real Florida workers compensation quote
Bureau loss-cost filings are the regulator-approved starting point — carrier premium depends on your class code, payroll, experience modifier, schedule credits/debits, and the carrier's loss-cost multiplier (LCM). Request a free Florida quote in under 90 seconds.
Get a free Florida quote → See what workers compensation insurance costs →Go deeper on workers compensation
- Workers' comp class codes & loss costs — hub
- Workers compensation loss ratios & profitability by state (NAIC)
- Deep data study: Workers compensation by state
- What workers compensation insurance costs
- All Florida rate filings (all lines)
- Rate filings by state — directory
- National Rate Change Tracker
- How insurance rates are set — methodology
Figures summarized here are drawn from public Florida Department of Insurance rate filings and, where shown, the NAIC Report on Profitability by Line by State — each traceable to its source. No proprietary rating-manual content is reproduced. See our full sourcing policy.