Workers in safety gear on Florida job site

Workers' Compensation Insurance

Required for most Florida businesses. Workers' comp protects your employees AND your business — covering medical expenses, lost wages, and employer liability.

Get a Free Workers' Comp Quote 1-800-252-6885

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?

Florida construction contractors with 1+ employees (required by law)

Non-construction businesses with 4+ employees (required by law)

Agricultural businesses with 6+ regular or 12+ seasonal employees

Subcontractors who need to provide proof of coverage to general contractors

Any business that wants to protect employees AND limit liability exposure

Businesses bidding on government or commercial contracts (often required)

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 is a CRIME. Penalties include stop-work orders ($1,000-$5,000/day fines) and personal liability for employee injuries. Don't risk it.

HVAC Contractors Electrical Contractors Plumbing Companies Site Prep Contractors Property Management Retail & Restaurants Trucking & Delivery Professional Services

Need workers comp fast? We can get you covered in hours. Get a free quote →

Read our full guide: Workers Compensation for Florida Contractors

Frequently Asked Questions

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.

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.

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.

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.

Related Coverage

General Liability

Commercial Auto

Professional Liability

Surety Bonds

Stay Compliant & Protect Your Team

Get a competitive workers' comp quote from multiple carriers. We handle the details — you focus on your business.

Get Your Free Quote or call 1-800-252-6885