Workers Compensation Insurance in Florida
Protect your employees and your business. Workers Compensation is required for most Florida employers and covers medical expenses and lost wages when an employee is injured on the job.
What Is Workers Compensation Insurance?
Florida law requires most employers to carry Workers Compensation insurance. For construction businesses, coverage is required for any business with even one employee. For non-construction businesses, it's required once you have four or more employees.
Workers Comp protects your employees if they're injured or become ill as a result of their job — covering medical bills, rehabilitation costs, and a portion of lost wages. It also protects your business from lawsuits arising from workplace injuries.
What's Typically Covered
- Medical treatment for work-related injuries
- Wage replacement (typically 66.67% of average weekly wage in FL)
- Rehabilitation and physical therapy costs
- Death benefits for families of employees killed on the job
- Employer's liability coverage for lawsuits
- Coverage for both full-time and part-time employees
Frequently Asked Questions
Is Workers Comp required in Florida?
Yes — for construction businesses with 1+ employees, and non-construction businesses with 4+ employees. Agricultural businesses have separate thresholds.
What happens if I don't carry Workers Comp in Florida?
Employers without required coverage face significant fines, stop-work orders, and personal liability for employee injury claims.
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