Coverage Overview
Florida requires workers' compensation for most employers with four or more employees - construction businesses need it starting at just one - and it's often misunderstood as optional until a claim forces the issue.
What workers' compensation covers
- Medical costs for an employee injured or made ill on the job
- Lost wage replacement while an injured employee recovers
- Death benefits for a workplace fatality
- "Exclusive remedy" protection for the employer - in most cases, an employee covered by workers' comp can't also sue the business over the same injury
Carriers we compare
We place workers' compensation through Pie Insurance and AmTrust Financial Services, both built to underwrite small and mid-sized employers efficiently.
Workers Compensation Insurance FAQ
How many employees trigger the Florida workers' comp requirement?
Four or more employees for most industries - but construction businesses are required to carry it starting with just one employee, including many owners, which catches new contractors off guard.
What does workers' comp cover that general liability doesn't?
Workers' comp covers your own employees' injuries and illnesses from the job; general liability covers third parties like customers or vendors. They're not interchangeable, and Florida law treats them as two separate, non-negotiable requirements once you have employees.
What is an experience modification factor and how does it affect my premium?
It's a number (starting at 1.0) that adjusts your premium up or down based on your business's actual claims history compared to similar businesses in your industry - a history of fewer or smaller claims lowers it, while frequent or severe claims raise it, directly affecting what you pay each year.