Business · Workers' Comp
Workers' comp that keeps you compliant.
Once you hit Florida's employee thresholds, workers' compensation isn't optional. We place coverage that protects your team and satisfies state and contract requirements.
What's covered
Protection for your team and your business
Workers' comp covers job-related injuries and shields you from related lawsuits.
Medical expenses
Treatment for work-related injuries and illness.
Lost wages
Partial wage replacement while an employee recovers.
Disability benefits
Temporary or permanent disability coverage.
Employer's liability
Defense against certain injury-related lawsuits.
Death benefits
Support for families after a fatal workplace incident.
Compliance certificates
Proof of coverage for the state and your contracts.
Why owners choose us
Compliant, accurate, and fast.
We know Florida thresholds
Construction needs coverage at one employee; most other industries at four. We'll confirm exactly what applies to you.
Right class codes
Premiums hinge on correct job classifications. We get them right so you don't overpay or get audited.
Pairs with your other policies
Coordinate workers' comp with GL or a BOP under one agent for clean renewals and certificates.
FAQ
Workers' compensation questions
Is workers' comp required in Florida?
Generally, yes once you reach certain employee counts. Construction businesses need coverage with one or more employees; most non-construction businesses need it at four or more; agricultural operations have their own thresholds. We'll confirm your specific requirement.
How is the premium calculated?
Workers' comp premiums are based on your payroll and the class codes for the work your employees do. Accurate classification matters — misclassifying can lead to overpaying or owing money at audit. We help you get it right.
Do I need it for subcontractors?
Sometimes. In construction especially, you may be responsible for uninsured subcontractors, and they'll often need to show their own coverage. We'll help you structure certificates so you're protected.
What happens if I don't carry it?
Operating without required workers' comp in Florida can bring stop-work orders and significant penalties, plus personal exposure if an employee is hurt. Getting compliant is straightforward — we can place coverage quickly.
Stay compliant with workers' comp.
Tell us your payroll and operations and we'll place coverage that keeps you protected and penalty-free.