Florida Workers' Compensation

Help Protect Your Small Business With Quality Workers' Compensation

No matter how well you run your operation or how low-risk your business is, there is always the risk of work-related accidents or illnesses. That is why the state of Florida requires most businesses to have Workers' Compensation insurance, to help protect business owners from liability and employees from financial loss due to such an event.

At PolicySweet®, we offer a wide range of affordable insurance options and can help you choose the right Workers' Compensation plan for your business. Learn more about Workers' Compensation in Florida or request a free quote today.


What You Need to Know About Florida Workers' Compensation Insurance

Find out what you need to know about Florida's Workers' Comp requirements to help ensure that your business is in compliance.

Business Insurance for Small Businesses in America

What is Workers' Compensation?

Workers' Comp is a type of insurance plan that can compensate your employees for expenses they may incur due to a job-related injury or illness. It could cover the cost of medical bills, lost wages, and more. Coverage will vary based on the plan.

Who is Required to Have Workers' Compensation in Florida?

Most in-state and out-of-state employers should have Workers' Compensation in order to conduct business in Florida. However, the amount of coverage can vary by industry, the number of employees, and the specific industry. Here are some requirements:

Construction Companies

Due to the inherent risk on job sites, construction companies should obtain Workers' Compensation, even if the company only has one employee. The business owner or partners in any LLC are considered employees.

Additionally, contractors are required to make sure that all subcontractors have coverage before starting a project.

Non-Construction Companies

For non-construction companies, most businesses only need Workers' Compensation if they have four or more employees. However, even if you are not required to have Workers' Compensation, it is a good idea to consider having a policy for your protection.

Out-Of-State Employers

Out-of-state employers should have Workers' Compensation and must notify their insurance company if they are working in Florida. Due to reciprocity laws in certain states, you may be able to use your Workers' Comp plan from your own state. However, if you don't have Workers' Compensation or your state doesn't permit reciprocity, you might have to obtain a policy to conduct work in Florida. At PolicySweet, we are a nationally licensed provider and can help you navigate coverage in Florida and your home state.

How Does Workers' Compensation Work in Florida?

Do you need Workers' Compensation in Florida? Learn more about how it works and how to get coverage.

Purchasing Coverage

While some states have public Workers' Compensation plans, you should consider purchasing your policy from a company like PolicySweet if you need coverage in Florida. Private coverage can offer more comprehensive and affordable Workers’ Comp plans even in states that provide public plans.

Submitting a Claim

If your employee sustains an injury or illness, they should submit a claim as soon as possible. This is the best way to ensure that there are no delays in the compensation process.

Florida's No-Fault Laws

Florida Workers' Compensation laws are designed to mutually benefit employees and employers. Florida is a no-fault state, meaning your employees do not have to prove that you were at fault for the incident. However, they may also forfeit the right to hold you liable for these incidents as long as you have the proper Workers' Comp insurance.

What Happens if I Don't Have Workers' Compensation in Florida?

Florida has strict penalties for not having Workers' Compensation. You may face a fine that is double the cost of coverage during the time you went without insurance. Additionally, you could receive a stop work order if you operate without the proper coverage or avoid paying for your policy.

How to Get the Best Rates on Workers' Compensation Insurance in Florida

At PolicySweet, we want to make it easy and affordable for small businesses to get the coverage they need to help protect their workers from harm.

Step One

Step 1: Tell Us About Your Business

Visit our online quote tool to get started. You’ll answer a few questions about your business, and we’ll create a plan that makes sense for you.

step Two

Step 2: Get a Quote

Once we know how much coverage you need, we'll give you an honest, upfront quote to help you enroll in a plan.

Step 3

Step 3: Get the Coverage You Need

Workers' Compensation is one of the best ways to help safeguard your relationship with your employees and help protect them from financial harm. Give them the coverage they deserve today.

How Much Does Workers' Compensation in Florida Cost?

The cost of your Workers' Compensation plan depends on a number of factors, including the industry you are in and inherent risks, the number of employees, and more. However, we offer excellent rates. Request a free no-obligation quote today.

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Get Florida Workers' Compensation Today

Do you want to get the best value for your money when it comes to your Florida Workers' Compensation plan? Contact us today to begin.

Please Note: State-specific information is subject to change at any time. Always consult with your state’s official information and resources for the most accurate information.