Workers' Compensation
Required coverage that protects your team and your business.
In Florida, non-construction businesses with four or more full- or part-time employees are required by law to carry workers' compensation insurance. All construction businesses must carry coverage regardless of the number of employees, unless the entity is permitted to file an owner exemption.
Workers' comp is calculated using estimated payroll wages and class codes; the premium remains a business expense separate from payroll cost.
Coverages under workers' compensation
Medical costs
Occupational illness
Short- and long-term disability
Employee wage / income benefits
Funeral expenses
Frequently asked questions
Is workers' compensation required in Florida?+
Non-construction businesses with four or more employees must carry it; all construction businesses must carry it regardless of employee count, unless an owner exemption is filed.
How is the premium calculated?+
Using estimated payroll wages and class codes; it's a business expense separate from payroll cost.
What does workers' comp cover?+
Medical costs, occupational illness, short- and long-term disability, wage/income benefits, and funeral expenses.
Ready to get protected?
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