Workers Compensation Insurance in Florida
Quantico Insurance helps Orlando and Florida employers comply with state workers' compensation requirements while protecting employees and the business. Independent agency, multiple carriers, bilingual support.
Florida Workers' Compensation Requirements
Florida has some of the strictest workers' compensation requirements in the country. Most non-construction businesses with four or more employees (full or part-time) must carry coverage. In construction, the threshold drops to one employee — including the owner unless properly exempted.
Workers' comp pays for medical care and a portion of lost wages when an employee is injured on the job, and it shields the business from most employee injury lawsuits. Operating without required coverage can trigger Stop-Work Orders and substantial fines from the Florida Division of Workers' Compensation.
How Workers' Comp Premiums Are Calculated
Premium is based on payroll, class code (industry classification) and your experience modifier. Construction trades, roofing, trucking and labor-intensive industries pay higher rates than office and professional classes.
We help you confirm correct class codes (a frequent source of overpayment), audit-proof your payroll reporting, and shop coverage across carriers — including Pay-As-You-Go programs that bill premium based on actual payroll instead of a large upfront deposit.
Owner Exemptions and Subcontractors
Florida allows officers and LLC members to file for an exemption (subject to ownership and number-of-officer rules), which can lower the headcount that triggers required coverage. Construction exemptions are limited and carefully tracked by the state.
If you hire subcontractors, you generally need to verify their workers' comp or you can be charged for them at audit. We help contractors set up Certificate of Insurance tracking so audits go smoothly and there are no surprise premium bills.
What Florida workers' comp typically includes
- Medical treatment for work-related injuries
- Lost wage benefits (indemnity)
- Disability and rehabilitation benefits
- Death benefits for dependents
- Employer's liability protection
- Pay-As-You-Go premium options
Quantico Insurance helps clients across multiple Florida communities. View our Florida insurance service areas.
Helpful Insurance Resources
Learn more about coverage options, insurance planning, and common questions for Florida drivers, homeowners, and businesses.
Frequently Asked Questions
Get Florida Workers' Comp Coverage
Independent agency, multiple carriers, Pay-As-You-Go options and bilingual support in Orlando.
