Workman’s Comp

Florida Workers Compensation

Peace of Mind for you and your family on the road.​ Florida Workers Compensation

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It’s essential to understand what your coverage options are — not just for your employees, but for you, and to others.

Learn more about Workers CompensationInsurance Coverage Understanding the different types of coverages can help you find the right Workman's Comp insurance policy for your needs and budget.

Why do you need Workman's Comp Insurance??

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What does Workers Comp Insurance Cover?
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How much does Workers Comp Insurance Cover?

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Why do you need Workman's Comp Insurance?

Protecting your employees is critical in successfully operating your business, and workers’ compensation not only protects your business from financial loss, but it is also required by law in most states if you have employees. It’s also crucial that you have coverage for your employees before an injury or illness so you are not held financially liable. Workers’ comp coverage typically only applies to events that occur after you purchase a policy.

If you are not in compliance with local laws, you could also face civil or criminal penalties.

Here are some specific benefits of Workman’s Comp insurance:

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What does Workman's Comp Insurance Cover?

A workers’ comp insurance policy will cover the majority of injuries that arise from work-related duties, ranging from simple slip-and-fall accidents to repetitive motion injuries and even an illness or disease contracted at work.

Employee coverage will usually include the following:

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Employees Coverages
Medical and Rehabilitation Cost

Includes doctor visits, hospital care, prescription medications, physical therapy, and other medical treatments.


Provides a partial replacement of income lost when workers are unable to work due to an on-the-job injury. The disability may be temporary or permanent, and partial or total.

Death benefits

Compensation for funeral costs and legal compensation.

Weekly payments missed wages

Workers’ comp helps replace some of your employee’s lost income if they need time off to recover from a work-related injury or illness.

Vocational Rehabilitation

Enables workers who cannot return to their prior occupation to learn a new skill based on their current capabilities.


Workers’ compensation covers most work-related injuries — but not all.

  • Workers’ comp doesn’t cover injuries that happen because an employee is intoxicated or using illegal drugs.
  • Coverage may also be denied in situations involving: self-inflicted injuries, while a worker was committing a serious crime, was not on the job, and when an employee’s conduct violated company policy

How much does Workman's Comp Insurance Cover?

Workers’ Comp insurance costs vary widely based on individual rating factors, and every single insurance quote will generate a different premium. Bellow, you can find some of the things that commonly influence workers’ comp insurance rates.

Place of Work – Job Location — Workers’ comp costs vary depending on where your employees are located.
Type of Work the employee Do — Jobs that present higher levels of risk result in higher workers’ comp costs. A low-risk office worker will cost less to insure than a roofer.
Number of Employees and Payroll — The bigger your staff, the more it can cost to provide coverage due to work-related injuries or illnesses.
Safety Claims History — The business safety records it’ll impact the workers’ comp significantly.
Coverages You choose — Your insurance and coverage amount choices and deductibles have a significant impact on how much you’ll pay.
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