Business Owners: Stop overpaying for worker's comp.
We shop the market to find the most aggressive rates, keeping you compliant without draining your bottom line.
What is Workers Compensation Insurance?
Workers compensation provides medical benefits and wage replacement for employees injured on the job.
Workers compensation insurance is required by law in most states when you have employees. It provides medical care, wage replacement, and rehabilitation services for employees who suffer work-related injuries or illnesses. This coverage protects both your employees and your business from the financial burden of workplace accidents.
Without workers comp, a single serious injury could result in devastating lawsuits and out-of-pocket medical expenses that could bankrupt your business. This coverage also protects you from employee lawsuits related to workplace injuries, as employees generally cannot sue their employer when workers comp coverage is in place.
Medical Expenses
Full coverage for injury-related medical treatment
Lost Wages
Partial wage replacement during recovery
Disability Benefits
Compensation for permanent or temporary disability
Legal Protection
Shield from employee injury lawsuits
Common Workers Compensation Claims
Slip and Fall Injuries
Coverage for employees injured from slips, trips, and falls on the job
Repetitive Motion Injuries
Protection for carpal tunnel, back strain, and other repetitive stress injuries
Equipment Accidents
Coverage when employees are injured by machinery or tools
Vehicle Accidents
Protection for employees injured while driving for work purposes
Occupational Illness
Coverage for work-related illnesses from exposure to hazards
Lifting Injuries
Protection for back, shoulder, and muscle injuries from lifting
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Key Workers Compensation Coverage Features
Protecting your employees and your business
Medical Expense Coverage
Pays for all necessary medical treatment, hospital stays, and rehabilitation services
Lost Wage Replacement
Provides partial wage replacement while employees recover from work-related injuries
Disability Benefits
Covers temporary or permanent disability payments for employees unable to return to work
Vocational Rehabilitation
Funds retraining programs if injured employees cannot return to their previous roles
Death Benefits
Provides financial support to dependents if a work-related injury results in death
Employer Liability Protection
Defends against employee lawsuits related to workplace injuries
Industries We Protect
Specialized workers' compensation coverage tailored to your industry's unique risks
Construction & Trades
Contractors, electricians, plumbers, and skilled trades with high-risk exposures
Healthcare & Medical
Hospitals, clinics, home health care, and medical professionals
Manufacturing & Production
Factories, assembly lines, and industrial production facilities
Professional Services
Office environments, consultants, and white-collar businesses
Retail & Hospitality
Stores, restaurants, hotels, and customer-facing operations
Transportation & Logistics
Trucking, delivery services, and transportation operations
Every industry has unique workers' comp needs. We'll find the right coverage for yours.
Insurance Guidance Tailored to You
Your needs come first. There is no one size fits all solution for your business or coverage. We tailor insurance to your needs, not someone else's goal.
Captive Agents
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Workers Compensation Insurance FAQs
Get answers to common questions about this coverage
Protect Your Employees & Business
Get your customized workers' compensation quote. Florida law requires coverage for most businesses with 4+ employees.