Commercial Lines Coverage

Workers' Compensation

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.

Get a free quote Call (305) 791-4872

Coverage overview

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.

What we can include

Medical expense coverage
Lost wage replacement
Employer's liability protection
Rehabilitation costs
Death benefits
Florida compliance coverage
Construction industry specialists
Pay-as-you-go options

Who needs it

Who needs workers' compensation?

Construction Companies

Florida requires workers' comp for construction businesses with even one employee. This is strictly enforced with regular audits.

Restaurants & Food Service

High injury rates from slips, burns, and cuts make workers' comp essential for food service businesses.

Healthcare Businesses

Medical offices, clinics, and home health agencies face significant workplace injury exposure.

Retail & Warehousing

Lifting injuries, slips, and falls are common in retail and warehouse environments.

Landscaping & Grounds

Outdoor work with equipment creates significant injury risk — and Florida requires coverage for these workers.

Any Business with Employees

If you have four or more employees in any industry (one in construction), Florida law requires workers' comp coverage.

Questions

Frequently asked questions

Don't see yours? Call or text us and we'll answer it.

Is workers' compensation required in Florida?

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.

Does workers' comp cover independent contractors?

Generally no — independent contractors are not employees. However, misclassification is a serious risk. We can help you understand your exposure and structure coverage correctly.

What is employer's liability coverage?

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.

What is a workers' comp audit?

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.

Ready to get covered?

Our licensed advisors will find you the right coverage across our carrier partners. No obligation, no pressure. We speak English and Spanish.

Get a free quote (305) 791-4872

Other coverage lines

Homeowners Insurance Automobile Insurance Travel Insurance Excess / Umbrella Insurance Commercial Auto Insurance Professional Liability Insurance Builder's Risk Insurance Surety & Performance Bonds