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Workers Comp

Required state coverage. 1+ employees for construction, 4+ for non-construction.

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Florida law mandates Workers Comp at low employee counts — especially in construction. Even at 1 employee, contractors usually need WC because GCs require a Certificate of Insurance. We do pay-as-you-go billing so cash flow stays manageable.

What's covered

  • Medical expenses for work-related injury/illness
  • Lost wages (temporary or permanent)
  • Rehabilitation
  • Death benefits
  • Employer liability (Part B)

What's not

  • Injuries from intoxication / drug use
  • Self-inflicted injuries
  • Injuries during commutes (generally)
  • Independent contractors (typically)

Florida note

Florida construction industry requires WC at 1+ employees. Non-construction at 4+. Most GCs require WC certificates regardless of headcount. Annual audits adjust premium to actual payroll.

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We write workers comp with these carriers:

  • Berkley Regional
  • AmTrust
  • Spinnaker
See all carriers

Related coverage

More ways we protect your operation.

General Liability

Third-party bodily injury, property damage, advertising injury for FL businesses.

Learn more

Commercial Property

Coverage for your building, contents, business income, and signage.

Learn more

Commercial Auto

Single vehicle or fleet. Owned, hired, non-owned.

Learn more

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FL DFS License W190034 · NPN 9069115 · Licensed broker · Brokers of America PR LLC