Workers' Compensation Insurance
Workers' compensation insurance is mandatory for most employers. It covers medical expenses, lost wages, rehabilitation costs, and death benefits for employees injured on the job — and protects your business from costly lawsuits. Florida law requires workers' comp for businesses with 4+ employees (1+ in construction).
Coverages we place
- Medical expenses for work-related injuries and illnesses
- Lost wage replacement (typically 66.67% of average weekly wage)
- Rehabilitation and physical therapy costs
- Death benefits and funeral expenses
- Employer's liability coverage (defends against employee lawsuits)
- Compliance with Florida Division of Workers' Compensation requirements
Who needs this coverage
Florida requires workers' comp for: construction businesses with 1+ employees, non-construction businesses with 4+ employees, and all agricultural businesses with 6+ regular or 12+ seasonal employees. Even if not legally required, carrying workers' comp protects you from devastating out-of-pocket costs.
What drives your premium
- Industry classification code (construction trades pay more)
- Total annual payroll
- Claims history and experience modification rate (EMR)
- Safety programs and workplace controls
- Number of employees and job classifications
Common exclusions
- Injuries from voluntary intoxication or drug use
- Self-inflicted injuries
- Injuries from horseplay or violation of company safety rules
- Independent contractors (though misclassification is risky)
- Officers/owners who have filed for exemption
Frequently asked questions
Is workers' comp required for my Florida business?
If you're in construction with 1+ employees, or any other industry with 4+ employees, yes — it's required by Florida law. Non-compliance can result in stop-work orders and penalties of 2x the evaded premium.
How much does workers' comp cost?
Rates vary by job classification. Office workers may cost $0.20–$0.50 per $100 of payroll, while roofers or ironworkers can cost $15–$30+ per $100. Your experience modification rate (EMR) also significantly impacts premiums.
Can business owners exempt themselves from workers' comp ?
Yes. Corporate officers and LLC members can file for exemption with the Florida Division of Workers' Compensation, but this means you have no coverage if injured. Construction exemptions are limited to 3 per entity.
What information do I need for a workers' comp quote?
Have your FEIN, the states where employees work, estimated annual payroll split by job type, number of full- and part-time employees, any owner or officer exemptions, whether you use subcontractors (and their certificates of insurance), and your claims history or experience modification rate if you have one. Payroll by job classification is the main pricing input, so accurate splits matter.
Related coverage
- General Liability
- Commercial Auto
- Business Owner's Policy
- Commercial Umbrella
- Restaurant Insurance
- Contractor Insurance
Get a free quote or call (321) 206-8035.