Workers' compensation pays for medical care and lost wages when an employee is injured on the job, and it protects your business from related lawsuits.
Southend Insurance helps Florida employers get compliant coverage and keep premiums in line with their payroll and job classifications.
What workers' comp insurance can cover
- Employee medical expenses
- Lost wage benefits
- Rehabilitation costs
- Death benefits
- Employer's liability coverage
- Pay-as-you-go payroll options
Good to know in Florida: In Florida, construction businesses with one or more employees must carry workers' compensation, and most non-construction businesses must carry it at four or more employees. Agricultural employers have separate thresholds.
Workers' Compensation Insurance FAQs
Am I required to carry workers' comp in Florida?
Construction employers with one or more employees and most non-construction employers with four or more employees are required to carry it.
Can business owners be exempt?
Certain corporate officers may qualify for an exemption through the state. We'll help you understand if it applies.
How is the premium calculated?
Premiums are based on payroll, job classification codes and your claims history.