Workers' Compensation Insurance
Protect your employees and your business from workplace injury costs. Workers' comp is required for most Florida employers and covers medical expenses, lost wages, and rehabilitation when employees get hurt on the job.
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Required Coverage That Protects Everyone
In Florida, most employers with four or more employees are required to carry workers' compensation insurance. This coverage protects both your employees and your business — employees get medical care and wage replacement when injured, while your business is protected from costly lawsuits.
Workers' comp covers medical expenses, rehabilitation costs, and a portion of lost wages when an employee is injured or becomes ill due to their job. Without it, you could face significant fines, legal action, and personal liability for workplace injuries. The right policy keeps your business compliant and your employees protected.
What Workers' Compensation Covers
Workers' compensation provides comprehensive protection when employees are injured or become ill due to their job. Understanding what's covered helps you see why this coverage is essential for every Florida business with employees:
Medical Benefits
- Emergency room visits
- Hospital stays and surgery
- Doctor visits and exams
- Prescription medications
- Physical therapy
- Medical equipment
No Out-of-Pocket Costs
Employees receive 100% coverage for medical expenses related to workplace injuries. No deductibles, no copays — treatment is fully covered from day one.
Wage Replacement Benefits
- Temporary total disability
- Temporary partial disability
- Permanent impairment benefits
- Permanent total disability
- Death benefits to dependents
- Funeral expenses
Income Protection
Workers receive approximately 66% of their average weekly wage while recovering. Benefits continue until they can return to work or reach maximum medical improvement.
Important: Florida law requires workers' comp for most employers with 4+ employees (1+ for construction). Failing to carry required coverage can result in stop-work orders, fines up to $1,000 per day, and personal liability for injuries.
Real Scenarios: When Workers' Comp Responds
Construction Fall From Height
A roofer falls from scaffolding and breaks multiple bones. Workers' comp pays for emergency care, surgery, months of rehabilitation, and wage replacement. Without coverage, medical bills alone could exceed $100,000.
Vehicle Accident On the Job
A delivery driver is injured in a car accident while making rounds. Workers' comp covers their medical treatment and lost wages, regardless of who caused the accident.
Slip and Fall at Work
A restaurant employee slips on a wet floor and fractures their hip. Workers' comp covers emergency care, surgery, months of rehabilitation, and income replacement until they can return to work.
Equipment-Related Injury
A manufacturing worker's hand is caught in machinery, requiring surgery and extensive rehabilitation. Workers' comp covers all medical expenses, vocational rehab if needed, and permanent impairment benefits.
Common questions about workers' compensation
Does my Florida business need workers' compensation insurance?
Most Florida employers with 4 or more employees are required to carry workers' comp. Construction companies need coverage with just 1 employee. Agricultural employers need it with 6+ regular employees or 12+ seasonal workers. Even if not required, voluntary coverage protects your business from costly lawsuits.
What happens if I don't have required workers' comp coverage?
Operating without required coverage is a serious violation. Florida can issue stop-work orders halting all business operations, impose fines of $1,000 per day of non-compliance, and hold you personally liable for all workplace injury costs. It's also a criminal offense in some cases.
How much does workers' compensation insurance cost?
Premiums are based on your payroll, industry classification code, and claims history. Office workers might cost $0.20 per $100 of payroll, while roofers could be $15+ per $100. Your experience modification rate (EMR) can raise or lower costs based on past claims. We shop multiple carriers to find competitive rates.
What benefits do employees receive from workers' comp?
Injured workers receive 100% coverage for medical expenses (no deductibles or copays), approximately 66% of their average weekly wage during disability, vocational rehabilitation if they can't return to their previous job, and permanent impairment benefits if applicable. Death benefits go to dependents in fatal accidents.
Can employees sue me if I have workers' compensation?
Workers' comp provides "exclusive remedy" protection — meaning employees generally cannot sue you for workplace injuries if you have proper coverage. This protects your business from potentially devastating lawsuits. Without coverage, injured employees can sue directly and pursue unlimited damages.
What injuries are covered by workers' compensation?
Workers' comp covers injuries and illnesses that arise out of and during employment — from acute injuries like falls and strains to repetitive stress injuries like carpal tunnel and occupational diseases from chemical exposure. Injuries during work travel and work events are typically covered too.
Workers' compensation carriers we work with
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We compare rates from multiple workers' comp carriers to find the right coverage for your business. Stay compliant with Florida law and protect your employees with the right policy.