Workers’ compensation pays for medical care and lost wages when employees are hurt on the job, and it protects your business from most related lawsuits. In Florida, most employers are required to carry it.
Florida employers that meet the state’s employee thresholds.
Construction businesses with 1+ employee must carry it.
Employer’s liability, pay-as-you-go billing.
Who must carry workers’ comp in Florida?
- ConstructionEmployers with one or more employees, including owners/officers unless exempt.
- Non-constructionEmployers with four or more full- or part-time employees.
- AgricultureEmployers with six or more regular employees, or twelve or more seasonal workers.
Rules and exemptions are set by the Florida Division of Workers’ Compensation. We’ll confirm what applies to your business.
What workers’ compensation covers
- Medical careTreatment for work-related injuries and illnesses.
- Wage replacementA portion of lost wages while an employee recovers.
- Employer’s liabilityProtection if an employee sues over a workplace injury.
Florida Division of Workers’ Compensation
Workers’ Compensation insurance across the Treasure Coast
Our office is at 1165 SW 27th Street, Palm City, FL 34990, and we help clients with workers’ compensation throughout Martin and St. Lucie counties — and anywhere in Florida.
Frequently asked questions
Can I be exempt from workers’ comp as a business owner?
Corporate officers in Florida may be able to elect an exemption, subject to state rules and limits. Ask us before relying on an exemption — it doesn’t cover your employees.
How is workers’ comp priced?
Premiums are based on payroll and the classification of the work your employees do, adjusted by your claims history.
Ready for your workers’ compensation quote?
Free, no-obligation, and compared across multiple carriers.