What is Workers' Compensation Insurance?
Workers' compensation provides medical care and wage-replacement benefits to employees injured in the course of employment. In exchange, employees generally give up the right to sue the employer for negligence over a covered workplace injury.
What workers' comp typically covers
- Medical treatment for work-related injuries and illnesses
- Partial wage replacement while an employee is unable to work
- Benefits for permanent impairment, as defined by state law
- Death benefits for dependents of workers killed on the job
- Employer's liability coverage, which helps defend the business against certain injury lawsuits
Do Florida businesses need workers' comp?
In Florida, coverage is generally required for construction businesses with one or more employees (including owners/officers unless a valid exemption applies), non-construction businesses with four or more employees, and agricultural employers above certain thresholds. Requirements and exemptions are set by the Florida Division of Workers' Compensation; we can help you understand how they apply to your business.
Who we help
- Contractors and construction trades
- Restaurants, cafes and food service
- Nail salons, beauty salons and spas
- Warehouses, logistics and delivery businesses
- Offices, retail stores and other small businesses
Premiums are based largely on payroll, job classifications and claims history. Contact us to learn more and get a quote.
