Workers Compensation Insurance In Florida – How to Buy Workers’ Comp in Florida

Need worker’s compensation insurance in Florida? Read this full text to know all it takes to get this at the best rates.

Workers Compensation Insurance In Florida
Workers Compensation Insurance In Florida

Workers’ compensation insurance covers medical care, ongoing physical therapy, disability benefits, lost wages, and other benefits if an employee is injured or sick on the job. Each state determines the worker’s compensation laws that apply to businesses in their state.

Workers Compensation in Florida

Workers’ compensation provides legal protection to employees who are injured or sickened on the job. They also ensure that the employee’s medical treatment or rehabilitation is paid when a claim is filed. They may also dictate the percentage of lost wages the employee receives if the employee is unable to work, either temporarily or permanently.

The U.S. has had workers’ compensation protections since the early 20th century, but the specific laws and requirements vary by state.

There has been a lot of discussion and debate surrounding the Florida workers’ compensation system in recent years as lawmakers and regulators have been working to manage insurance costs.

In Florida, the workers’ compensation laws only apply to businesses that have four or more employees. Smaller businesses may not be obligated to comply with the state’s workers’ compensation laws, so if an employee gets injured, they would have to seek compensation for medical expenses or lost wages through a different process.

Employers who fall under the jurisdiction of Florida’s workers’ compensation laws must have an up-to-date workers’ compensation insurance policy in place.

Who Must Have Florida Workers Comp Insurance

Most, but not all, Florida businesses are required to obtain workers’ compensation insurance. Here’s who needs it:

  • Employers with four or more employees, including corporate officers and Limited Liability Company (LLC) members.
  • Employers in the construction industry with one or more employees, including corporate officers and LLC members
  • Employers in agriculture with six regular employees and/or 12 seasonal employees who work more than 30 days per season but no more than 45 days in a calendar year

Coverage of Workers’ Compensation Insurance in Florida

Accidental injuries and diseases arising in the course of employment are both covered under Florida workers comp law.

If you are injured at work as a result of an accident or illness, your employer’s workers’ compensation coverage may entitle you to medical benefits as well as wage replacement benefits in Florida.

Some of the benefits of Worker’s compensation insurance in Florida include:

  • Doctor visits
  • Hospitalization
  • Physical therapy
  • Medical tests
  • Prescription drugs

What Are Excluded from Workers Compensation Insurance in Florida

In Florida, certain situations are not covered by workers’ compensation. These include psychological or nervous injuries caused by stress, fright, or excitement.

Furthermore, in Florida, workers’ compensation will not be paid if the injury was caused primarily by the employee being intoxicated or under the influence of drugs.

Florida Workers Compensation Cost

The cost of workers’ compensation in Florida is determined by three primary factors: the business’s payroll, the types of work performed by employees, and the employer’s claims history.

  • Payroll reflects a company’s size, and the larger the payroll, the higher the total cost for worker compensation.
  • The types of work at your company also play a role. The more dangerous the work, the more expensive your worker’s compensation insurance will be.
  • If you have previously filed workers’ compensation claims, you will pay a higher price.

How to Buy Workers’ Comp in Florida

Follow these simple steps to get workers’ compensation insurance in Florida:

  • Determine which employees must be covered under state law.
  • Determine your payroll. The insurance policy premium will be calculated based on the payroll of employees covered by the policy; total the payroll of employees who require coverage. For more information, see this post: How to Calculate Payroll in Order to Determine Your Workers’ Compensation Cost
  • Request a quote from an insurance agency or carrier. In order to write workers’ compensation in Florida, the insurer must be licensed.
  • Submit your company’s information to the insurer. To submit information and discuss any follow-up questions, many traditional insurance agencies, and carriers require a phone call or in-person appointment.
  • Respond to any follow-up questions. The insurance representative may ask additional questions about employees, such as whether they travel to work or work from home on a regular basis. Following that, the company will be assigned a Classification Code. These numerical codes are used to categorize employees across the country, and knowing them will make it easier to renew or shop for insurance in the future.
  • Please wait for your quote. Underwriters determine whether the carrier can cover your company and how much the premium will be.
  • To bind, review your quote and submit payment. Some insurance companies may not bind coverage until the first payment is received, whereas others will issue a policy and mail an invoice for payment. When reviewing your quote, make sure you understand your payment options.

Best Workers Comp Insurance in Florida

Here is the best workers’ compensation insurance in Florida:

The Hartford

Hartford is one of the nation’s top workers’ compensation insurance carriers, with over 200 years of experience. Because of its preferred medical provider network of over 1 million providers who treat workplace injuries, the insurer is regarded as the best choice for worker’s compensation policies.

It also provides over 65,000 pharmacies in the United States to fill prescriptions for injured workers, usually with no out-of-pocket expense, as well as a network of nurse care managers to help coordinate the injured workers’ care with doctors and therapists.

Simply Business

It provides a comprehensive suite of business insurance with the goal of making it simple to insure your company.

Simply Business can help you find the right coverage at the right price, whether you’re looking for construction workers’ insurance or insurance for your startup.

However, it also helps Business about your company and you’ll receive almost instantaneous affordable quotes from top insurance providers. You can look into workers’ compensation insurance to cover everyone on your team, and you can get covered in accordance with Florida law without breaking the bank.


Security and prevention. AIG’s workman’s comp insurance is designed to reduce risk. Their experts “combine data-driven insights and the most advanced safety technology to assist your company in reducing risks, preventing accidents, and keeping workers safe.”

Still, if an accident occurs, they are prepared to process claims and get employees the proper care as soon as possible. They also provide flexible program structures and financing options, allowing you to get the insurance you need while paying in a way that works for your business.


Through their Progressive Advantage Business Program, Progressive provides one-stop shopping for workers’ compensation insurance. This program provides a variety of insurance solutions for small businesses that are underwritten by carefully selected carriers.

Obtaining a quote is simple, either online through our partner or over the phone with a trained expert. The specially trained experts assist in ensuring that your insurance coverage is tailored to your specific needs.

Liberty Mutual

Liberty Mutual brings knowledge and resources to the table in order to protect your company and help your employees. It provides risk management services to help prevent accidents, including access to customizable videos that can be used as accident prevention tools.

In the event of an accident, Liberty Mutual is ready to assist workers by providing prompt claims services and access to high-quality, low-cost care. It also provides you and your employees with toolkits containing useful information on what to do after an accident. According to the insurer, it closes claims faster and at a lower cost than the industry average.

Frequently Asked Questions

Does Florida Require Worker’s Compensation Insurance?

Employers conducting business in Florida must provide workers’ compensation insurance to their employees. Employer coverage requirements vary depending on the industry, number of employees, and entity organization.

Can You Sue Workers Comp in Florida?

Unlike some other states, Florida lacks a government agency in charge of overseeing a statewide workers’ compensation system. Employers in Florida, on the other hand, must either purchase workers’ compensation insurance or “self-insure” and provide coverage directly.

Can You Self Insure Workers Compensation in Florida?

In Florida, self-insured employers are permitted; however, they must apply to the Division of Workers’ Compensation and demonstrate financial strength to ensure timely payment of benefits.



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