Workers' Compensation Insurance in Florida
Workers' compensation covers medical care and lost wages when an employee is injured on the job - and in Florida it's required by law once your business reaches certain thresholds. We help employers get compliant, correctly classified, and competitively priced.
What This Coverage Includes
- Medical treatment for work-related injuries and illnesses
- Wage replacement while an injured employee recovers
- Employer's liability protection
- Class code and experience mod review to stop overpaying
- Certificates of insurance for contracts and licensing
Florida Context
Under Florida law, non-construction businesses with four or more employees (including corporate officers and LLC members) must carry workers' compensation. In construction, the threshold is one employee; agricultural employers need coverage at six regular or twelve seasonal workers. Operating without required coverage risks stop-work orders and steep penalties.
Who Needs It
- Non-construction Florida businesses with 4+ employees (required by law)
- Construction businesses with 1+ employees (required by law)
- Employers who suspect their class codes or experience mod are inflating premiums
How We Help
Premiums depend heavily on class codes and your experience mod - errors in either quietly inflate costs for years. We audit both, then shop your coverage across multiple carriers as part of the free review.
Frequently Asked Questions
Is workers' comp required for my Florida business?
Non-construction employers with four or more employees (including officers and LLC members) must carry it. Construction businesses need it with just one employee, and agricultural employers at six regular or twelve seasonal workers. We can confirm your requirement in one call.
What happens if I don't carry required coverage?
The state can issue a stop-work order shutting down your operations and assess significant penalties. Getting compliant coverage in place is far cheaper than the alternative.
Can you lower what I'm paying now?
Often. Premiums are driven by class codes and your experience mod - errors in either inflate costs. We review both and shop multiple carriers as part of the free analysis.
Does workers' comp cover injuries outside of work?
No - it only covers work-related injuries and illnesses. For off-the-job income protection, look at group disability insurance, which pairs naturally with workers' comp.
Get a clear, side-by-side view of your workers' comp options.
One conversation with an independent advisor can surface savings and gaps your renewal notice never will.