Workers’ Compensation Insurance

Protect your employees—and your business.

We help Florida businesses stay compliant, protected, and prepared—no matter your team size or industry.

Why Workers’ Compensation Matters

Florida law requires most businesses to carry workers’ compensation insurance—and with good reason. Workplace injuries can happen at any time, whether in an office, on a job site, or while making a delivery. Workers’ comp helps cover the costs of medical treatment, rehabilitation, and lost wages if an employee gets hurt. It also protects your business from lawsuits and penalties related to workplace injuries. We help you navigate your responsibilities, avoid gaps, and keep your team covered.

A group of people are shaking hands in a factory.
A man and a woman are looking at a laptop in a warehouse.

What Workers’ Compensation Insurance Can Cover

Medical Expenses

Pays for doctor visits, hospital stays, surgeries, and other treatment for work-related injuries.

Lost Wages

Helps replace a portion of income while the employee recovers.

Rehabilitation Services

Covers physical therapy and vocational training to help employees return to work.

Employer Liability

Offers legal protection if you’re sued for a work-related injury not covered by standard benefits.

Frequently Asked Questions

  • Is workers’ comp required for my business?

    In Florida, you’re required to carry workers’ comp if you have four or more employees (including part-time staff), or just one employee in construction. Requirements vary by industry, and penalties for non-compliance can be steep. We’ll help make sure your business meets state guidelines.

  • Does this coverage include part-time or seasonal workers?

    Yes—anyone who qualifies as an employee must be covered under your workers’ comp policy. That includes part-time, seasonal, and temporary staff. We’ll help clarify who needs to be included and how to manage your payroll classifications.

  • What if an employee gets injured off-site?

    If the injury occurs while performing work-related duties—like delivering goods, visiting clients, or traveling for work—it’s likely covered. Each claim is unique, so it’s important to report it promptly and consult with your insurer.

  • Can workers’ comp protect my business from lawsuits?

    Yes—if an employee accepts workers’ comp benefits, they generally waive the right to sue you for negligence. This legal protection can save your business from costly court battles and reputational harm.