Worker's Compensation Insurance

Worker's Compensation Insurance

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Worker's Compensation in Florida

Your employees are your most valuable assets. Keeping employees safe at work is a top priority for businesses across all industries in Florida. However, if an employee suffers an injury, a reliable worker's compensation policy is there to provide them with the support they need.

It’s the law, but…

In Florida, worker's compensation insurance is mandatory for construction companies of any size, non- construction businesses with at least four employees, and agricultural companies with at least six employees. However, additional rules and exceptions apply.

If anything should happen to one of your employees, and worker's compensation is there to help them get back on their feet as smoothly as possible while minimizing the damage to your business.

In other words, worker's compensation is the law for most medium-sized businesses in Florida. However, even when hiring a small amount of staff, a worker's compensation policy can be a could way to safeguard your businesses while taking care of your staff in case of an work-related injury.

An extra layer of protection

A worker's compensation policy can also help protect you from lawsuits that may arise from workplace injuries if you are held liable for having caused unsafe conditions.

Who is at fault?

In Florida, worker's compensation insurance can help pay for your employee's medical expenses related to any workplace injuries. In this case, workplace injuries can include treating repetitive stress injuries as well as physical rehabilitation.

Additionally, some policies can help the employee cover lost wages if time is spent away from work for recovery, or disability in case the employee is unable to return long-term.

The basics of worker's compensation

Worker's compensation insurance is designed to cover injuries sustained while performing work duties, or illnesses that result from being on the job. As such, coverage may be limited in scope depending the type of work.

Covered injuries could include heavy lifting, slipping and falling, or injuries sustained from explosions.

Worker's Compensation Insurance may cover:

  • Medical bills
  • Rehabilitation
  • Missed wages
  • Employee lawsuits
  • Funeral expenses
  • Financial support for the deceased's family

It does not cover:

  • Third-party lawsuits
  • Lawsuits over professional errors
  • Wages for a replacement worker
  • Parental leave benefits
  • OSHA penalties

What is the cost of worker's compensation insurance

With more than 40 years of experience advising and covering businesses in South Florida, we are here to help you find the right solution for:

  • Monthly payment plans 
  • Claims responsiveness 
  • Tailored coverage 
  • Knowledgeable agents 
  • Coverage for contract workers

Serving all of Florida

As one of South Florida’s trusted business insurance partners, we have experience working within many industries such as; construction and contracting insurance, retail insurance, hotel insurance, church insurance, service insurance, agricultural insurance, municipal insurance, corporate bonds and countless others.

Insurance coverage cannot be bound or changed via submission of any online form/application provided on this site or otherwise. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly by a licensed agent.