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Workers' Comp Insurance for Florida Businesses
Know exactly when Florida requires it, protect your team the right way, and keep your contracts and job sites moving.
Free and no obligation. About 2 minutes. Your information is never sold.
Does Florida Require You to Carry It?
Answer two quick questions for a general answer.
General guidance only, not legal advice. Agriculture follows different thresholds. We'll confirm your exact situation.
Who Needs It
- Contractors and trades with any employees
- Restaurants, shops, and salons with four or more workers
- Businesses hiring their first employees
- Companies whose contracts require proof of coverage
- LLCs and corporations with working owners
- Growing teams adding part-time staff
What It Covers
Workers' comp pays for work-related injuries and illnesses, and it generally protects your business from being sued by injured employees.
- Medical Care
- Doctor visits, hospital stays, surgery, and prescriptions for work-related injuries.
- Lost Wages
- Partial wage replacement while an injured employee recovers.
- Rehabilitation
- Physical therapy and care to help employees return to work.
- Death Benefits
- Support for an employee's family after a fatal workplace accident.
- Employer's Liability
- Helps protect your business if an injured employee's situation leads to a lawsuit.
- Certificates for Contracts
- Proof of coverage for general contractors, landlords, and clients.
Hiring your first employee?We'll compare carriers and walk you through your options in plain language.
Get My Free Workers' Comp QuoteWhat It Doesn't Cover
Straight answers up front, so there are no surprises at claim time.
- Owners with an exemption. An owner who files a valid state exemption isn't covered by the policy
- Independent contractors. They aren't covered by your policy, but in construction, workers of uninsured subcontractors can become your responsibility. Collect their certificates
- Non-work injuries. Injuries that happen off the job aren't covered
- Certain misconduct. Claims involving intoxication or willful misconduct may be denied
What Florida Employers Should Know
- The thresholdsConstruction businesses generally need coverage with one or more employees. Non-construction businesses need it with four or more, and part-time workers count. Agriculture has its own thresholds.
- Owners count unless exemptCorporate officers and LLC members who own at least 10% can apply to the state for an exemption. Construction exemptions carry a fee and must be renewed every two years, while non-construction exemptions are free. An exemption never covers your employees.
- The state enforces itFlorida can issue stop-work orders and penalties to businesses that should have coverage but don't, so getting it right protects your income, not just your employees.
- Your premium is based on payrollYou'll pay based on estimated payroll, then a yearly audit adjusts it to your actual payroll. Keeping clean records makes audits painless.
Why It's Worth Getting Right
Without required coverage, a single injury can mean paying medical bills and lost wages out of pocket, on top of state penalties and a stop-work order that halts your jobs. The right policy turns an emergency into a process.
What Affects Your Price
Every quote is different. These are the biggest factors carriers look at.
- Your industry and job classifications
- Total payroll
- Claims history and experience
- Safety practices and training
- Number of employees
Because we're independent, you see real options from multiple carriers instead of a single take-it-or-leave-it price.
Common Questions
Do part-time employees count?
Yes. Florida counts part-time employees toward the employee thresholds.
I'm the only owner. Do I need it?
Outside construction, a business with no employees generally isn't required to carry it. In construction, working owners generally count as employees unless they hold a valid exemption. We'll help you sort out which applies.
What is a payroll audit?
At the end of each policy term, the carrier reviews your actual payroll. If it was higher than estimated, you may owe more; if lower, you may get money back.
What happens if I don't carry required coverage?
Florida can issue a stop-work order and assess penalties, and you could be personally responsible for an injured employee's costs.
Protect Your Team and Your Business
No pressure and no obligation. If the coverage you already have is the better deal, we'll tell you.
Prefer to talk? Call or text (813) 603-8714