Workers' Compensation Insurance
Required for most Florida businesses. Workers' comp protects your employees AND your business — covering medical expenses, lost wages, and employer liability.
Florida 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
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 That Must Carry Workers Compensation in Florida
Florida law is strict: Construction businesses with even ONE employee must carry workers comp. If you're in these industries, coverage is mandatory — and we specialize in competitive rates.
⚠️ Florida Contractors: Operating without required workers comp can trigger stop-work orders, investigations, penalties, and direct injury exposure. Clean coverage and clean subcontractor paperwork are a lot cheaper than finding out the file was wrong after an injury or job-site dispute.
Need workers comp fast? We can get you covered in hours. Get a free 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.
Florida workers comp support paths
This page is the workers comp quote, coverage, rating, and class-code gateway. When the real issue is a threshold rule, subcontractor audit exposure, document prep, or the bigger contractor market story, use the more specific route below.
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 the file includes subs, 1099 labor, exemption records, COIs, employee-leasing detail, or audit exposure.
Open support pathAudit document checklist
Use this when you need the packet: payroll, class codes, COIs, exemptions, contracts, invoices, and audit support in one list.
Open support pathContractor market report
Use this for the broader 2026 contractor picture: workers comp pressure, 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 market report covering workers comp audits, certificates, commercial auto, tools, and renewal pressure.
Business Insurance Costs
Complete Florida business insurance pricing guide
Stay Compliant & Protect Your Team
Get a competitive workers' comp quote from multiple carriers. We handle the details — you focus on your business.