Commercial Lines Coverage
Keep your team covered and your business compliant — workers' comp is required for most Florida employers and protects both your employees and your bottom line.
Florida law requires most employers with four or more employees (one or more in construction) to carry workers' compensation insurance. It covers medical expenses and lost wages for employees injured on the job — and protects your business from lawsuits related to workplace injuries. Non-compliance can result in stop-work orders and significant fines.
Florida requires workers' comp for construction businesses with even one employee. This is strictly enforced with regular audits.
High injury rates from slips, burns, and cuts make workers' comp essential for food service businesses.
Medical offices, clinics, and home health agencies face significant workplace injury exposure.
Lifting injuries, slips, and falls are common in retail and warehouse environments.
Outdoor work with equipment creates significant injury risk — and Florida requires coverage for these workers.
If you have four or more employees in any industry (one in construction), Florida law requires workers' comp coverage.
Yes. Florida requires workers' comp for businesses with 4+ employees (any industry) or 1+ employees in construction. Agricultural employers have different thresholds. Non-compliance results in stop-work orders and penalties.
Generally no — independent contractors are not employees. However, misclassification is a serious risk. We can help you understand your exposure and structure coverage correctly.
Employer's liability (Part B of a workers' comp policy) covers lawsuits by employees who claim their injury was due to employer negligence — beyond the standard workers' comp benefits.
Most workers' comp policies are subject to annual audits to verify your actual payroll. Premiums are adjusted based on actual vs. estimated payroll. We help you prepare for and navigate audits.
Our licensed advisors will find you the best rate across 100+ carriers. No obligation, no pressure — we speak English and Spanish.