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Orlando Florida Workers Compensation Insurance

Workers compensation insurance pays benefits to your employees if they are injured while on the job. Coverage includes employees’ medical bills, vocational rehabilitation, a portion of lost wages, and death benefits. Coverage amounts are set by the state, so workers compensation benefits are the same for every company within Florida.

By law, in Florida you must have workers compensation insurance, if:

  • You have four (4) or more full/part-time employees
  • You engage in the construction industry and employs one (1) or more part/full-time employees must also carry workers compensation insurance.
  • You are a state or local government agency
  • You are a farmer with more than five (5) regular employees and/or twelve (12) or more additional workers for seasonal agricultural labor lasting thirty (30) days or more
  • If you are an out-of-state construction employer with one (1) or more part or full-time employees in Florida


Even if workers compensation is not mandatory for your business, it’s still a good idea. Protect yourself now, before it’s too late.


Who and what will your Florida workers compensation policy cover?

Workers compensation covers all of a business’ employees, even if they are out of state. If your business is a corporation and you are actively involved with it, you can be covered as well.

Employee benefits generally include:

  • Portion of lost wages
  • Survivors death benefits
  • Some vocational rehabilitation
  • Unlimited reimbursement of medical expense

Note, independent contractors are not covered.


Employer benefits generally include:

  • Responses to legal action filed by injured employees or their dependents for blatant employer negligence
  • Protection against employee claims for loss of relationship, pain and suffering

Workers compensation is mandatory for most businesses and a good idea for all businesses. We may be able to get you a lower rate than you’re currently paying. Contact us today for a free quote!