FL Workers Comp Insurance — Shop 40+ Carriers

Florida law requires workers comp for most businesses. We find compliant coverage at competitive rates — many clients save when we re-shop their coverage.

Frequently Asked Questions

Is workers compensation insurance required in Florida?

Yes, Florida law requires workers compensation for most businesses with 4+ employees (construction companies need it with just 1 employee). Sole proprietors and partners can opt out, but corporate officers cannot. Penalties for non-compliance include fines up to $1,000 per day, stop-work orders, and personal liability for employee injuries. Independent contractors may also need coverage depending on their classification.

How are workers compensation premiums calculated?

Premiums are based on your payroll, industry classification codes, and claims history. Each job classification has a rate per $100 of payroll—higher-risk jobs like roofing have higher rates than office work. Your experience modification rate (EMR) adjusts premiums up or down based on your claims history. Safety programs and claims management can significantly reduce your EMR and premiums over time.

What injuries and illnesses does workers comp cover?

Workers compensation covers all work-related injuries and occupational diseases, including accidents, repetitive stress injuries, back injuries, exposure to harmful substances, and occupational illnesses. Coverage includes medical treatment, rehabilitation, temporary disability payments (typically 66% of wages), permanent disability benefits, and death benefits for dependents. It covers injuries regardless of fault.

Can employees sue my business if they're injured at work?

Generally no—workers compensation is an exclusive remedy, meaning employees cannot sue employers for workplace injuries covered by workers comp. However, employees can sue for intentional harm, injuries caused by employer fraud, or if the employer doesn't carry required workers comp insurance. They can also sue third parties (equipment manufacturers, subcontractors) whose negligence caused their injury.

Do I need workers comp if I only use independent contractors?

It depends on whether they're truly independent contractors or misclassified employees. Florida law presumes workers are employees unless they meet specific criteria (separate business entity, control over work methods, etc.). Misclassifying employees as contractors can result in massive fines, back premiums, and personal liability. Many businesses choose to require contractors to carry their own workers comp and provide certificates of insurance.

Get a free quote or call (904) 900-5063 — Atesa Risk Advisors, independent Florida insurance brokerage.