Workers' Compensation Insurance
Required for most Florida businesses. Workers' comp protects your employees AND your business — covering medical expenses, lost wages, and employer liability.
What's Covered?
Workers' compensation provides these essential protections for your employees and your business.
Medical Expenses
Covers all reasonable and necessary medical treatment for work-related injuries and illnesses — from emergency care to ongoing rehabilitation.
Lost Wages
Provides a portion of the employee's wages (typically 66.67% in Florida) while they're unable to work due to a workplace injury.
Death Benefits
Provides financial support to the employee's family in the event of a fatal workplace accident, including funeral expenses.
Employer Liability
Protects you if an injured employee sues for negligence beyond the standard workers' comp benefits. Covers legal defense and settlements.
Disability Benefits
Covers temporary total, temporary partial, permanent total, and permanent partial disability resulting from workplace injuries.
Rehabilitation Services
Pays for vocational rehabilitation and retraining if an employee can't return to their previous job after an injury.
Who Needs Workers' Comp in Florida?
Industries We Serve
We specialize in workers' comp for Florida's trades and service industries.
Frequently Asked Questions
When is workers' comp required in Florida?
In Florida, construction businesses must carry workers' comp with just ONE employee. Non-construction businesses are required to carry it with FOUR or more employees. Agricultural businesses need it with six or more regular employees or twelve or more seasonal workers.
What happens if I don't carry required workers' comp?
Operating without required workers' comp in Florida is a criminal offense. You can face stop-work orders, fines of $1,000 per day, and personal liability for all employee injuries. It's not worth the risk.
How are workers' comp premiums calculated?
Premiums are based on your industry classification code, total payroll, claims history (experience modifier), and the carrier's rates. Higher-risk industries like construction pay more than lower-risk office jobs. We shop multiple carriers to find the best rate for your specific situation.
Can I get workers' comp exemptions in Florida?
Corporate officers and LLC members can apply for exemptions from the state. Construction industry officers can exempt up to 3 officers; non-construction can exempt all officers. However, exempted individuals are not covered for workplace injuries. We can help you navigate the exemption process.
Stay Compliant & Protect Your Team
Get a competitive workers' comp quote from multiple carriers. We handle the details — you focus on your business.