Keep your employees protected and your business compliant — because when someone gets hurt on the job, the right coverage makes all the difference.
Overview
Workers' compensation insurance provides medical benefits and wage replacement to employees who are injured or become ill as a result of their job. In Florida, most businesses with four or more employees are required by law to carry workers' comp coverage — and construction businesses are required regardless of the number of employees. Beyond legal compliance, workers' comp protects your business from costly lawsuits and demonstrates to your team that you take their safety seriously.
Why It Matters
Without workers' compensation, a single workplace injury could result in a lawsuit that threatens your entire business. In Florida, operating without required workers' comp coverage can result in stop-work orders, significant fines, and personal liability for business owners. More importantly, your employees deserve to know they're protected if something goes wrong on the job.
Is This Right for You?
Construction companies and contractors (required regardless of size)
Businesses with 4 or more employees in Florida
Restaurants, retail, and hospitality businesses
Healthcare and home care service providers
Manufacturing and warehouse operations
Any employer who wants to protect their team and their business
Common Questions
Yes. Florida requires workers' comp for most businesses with 4 or more employees. Construction businesses must carry coverage regardless of the number of employees. Agricultural employers have different thresholds. Penalties for non-compliance are severe.
Yes — owners and sole proprietors can elect to be covered under a workers' comp policy. This is especially important for contractors who work on job sites where coverage may be required by the general contractor.
You could face a stop-work order, significant fines, and be personally liable for all medical expenses and lost wages. You also lose the protection against employee lawsuits that workers' comp provides.
Premiums are based on your payroll, the type of work your employees do (job classification codes), and your claims history (experience modification rate). We shop multiple carriers to find the most competitive rate for your industry.
As an independent agency, we shop multiple carriers to find you the best rate. No obligation — just honest advice.
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