Workers' Compensation Insurance
Required for most Florida businesses. Workers' comp protects your employees AND your business — covering medical expenses, lost wages, employer liability, and the compliance paperwork contractors often need before stepping onto a job site.
4.8 Google ratingSee client reviewsFlorida Workers' Compensation at a Glance
- Required for construction with 1+ employees including non-exempt corporate officers or LLC members, non-construction with 4+ including non-exempt owners, and agriculture with 6 regular employees and/or 12 seasonal workers meeting DFS time thresholds
- Covers medical bills, lost wages, and rehabilitation for employees injured on the job
- Qualifying corporate officers and LLC members may apply for state exemptions, but exemptions are individual and exempted people give up workers comp benefits for themselves
- Premiums are based on your payroll, industry classification code, and experience modifier
What's Covered?
Workers' compensation provides these essential protections for your employees and your business.
Medical Expenses
Can cover work-related medical treatment, from emergency care to follow-up care, subject to the policy and Florida workers comp rules.
Lost Wages
Generally provides a portion of wages when an employee cannot work because of a covered workplace injury.
Death Benefits
May provide statutory benefits to eligible dependents after a fatal covered workplace accident.
Employer Liability
Can help respond to certain employer-liability allegations tied to workplace injuries, depending on policy terms and facts.
Disability Benefits
May include temporary or permanent disability benefits when a covered injury affects the employee's ability to work.
Rehabilitation Services
May help with rehabilitation or retraining when a covered injury keeps an employee from returning to prior duties.
Who Needs Workers' Comp in Florida?
How Florida Businesses Get Workers Comp Coverage
Florida law is strict, but the answer is not one-size-fits-all: construction, non-construction, agriculture, entity type, and owner exemptions all change the analysis. These are common industries where workers comp, certificates, payroll splits, and audit records need careful review.
Florida Contractors: Operating without required workers comp can trigger stop-work orders, investigations, penalties, and direct injury exposure. Current coverage and subcontractor paperwork help protect the business and keep jobs moving when an injury or job-site dispute happens.
Need workers comp fast? We can review urgent coverage needs quickly when the payroll, ownership, class-code, and subcontractor details are ready. Start the workers comp quote →
Read our full guide: Workers Compensation for Florida Contractors
Need the threshold and exemption answer first? See our Florida workers comp requirements and exemptions guide.
Sorting out subcontractor COIs, exemptions, or 1099 audit problems? Start with our Florida workers comp subcontractor audit guide.
More Help With Florida Workers Comp
Start with pricing or choose a focused guide for coverage rules, subcontractor audits, document preparation, class codes, and contractor insurance questions.
Requirements and exemptions
Use this when the real question is who must carry coverage, who may exempt themselves, and when contracts still require active workers comp.
Open support pathSubcontractor audit guide
Use this when your business uses subs, 1099 labor, exemption records, COIs, employee leasing, or needs audit help.
Open support pathAudit document checklist
Use this checklist to organize payroll, class codes, COIs, exemptions, contracts, invoices, and audit records.
Open support pathWorkers comp cost guide
Use this when the buyer wants class-code examples, EMR math, payroll splits, officer treatment, and audit factors before starting a quote.
Open support pathContractor market report
Use this for the broader 2026 contractor picture: workers comp, certificates, commercial auto, tools, and renewal strategy.
Open support pathFrequently Asked Questions
Related Resources
Workers Comp Cost in Florida
Rates by classification code and experience modifier
Workers Comp vs General Liability
Key differences and why most businesses need both
Workers Comp Requirements and Exemptions
Florida threshold and exemption guide covering who must carry coverage, who can exempt themselves, and when contracts still require workers comp.
Workers Comp Subcontractor Audit Guide
How Florida contractors should verify subs, exemptions, employee-leasing records, and 1099 labor before audit charges or disputes show up.
Florida Contractor Insurance Market Outlook 2026
Source-backed contractor report covering workers comp audits, certificates, commercial auto, tools, and renewals.
Business Insurance Costs
Complete Florida business insurance pricing guide
Stay Compliant & Protect Your Team
Send the payroll, job-duty, owner, and subcontractor details that help workers comp insurers quote coverage accurately.