Get a Quote

Florida Workers' Compensation Insurance

Learn everything you need to know about worker's compensation insurance in Florida.

Need coverage now? Low rates & same-day quotes available. Select your industry to get started.

Get My Quote
florida workers compensation
clock-regular

Lightning Fast Quotes

We’re available when you are – online and on your schedule. In less than 5 minutes, you could be on your way to a work comp quote.

list-ol-solid

Easy Process

Our proprietary online quoting tool makes it easy. Just answer a few simple questions about your business.

piggy-bank-solid

Affordable Rates

As an independent agency, we can shop around our network of carriers, and deliver the best quote to you.

check-circle-regular

Top Insurance Carriers

Every policy backed by leading insurance carriers known for their financial strength and customer service. All our carriers have earned a rating of A or higher by A.M. Best.

award-solid

Trusted by Thousands

Since 2012, WorkCompOne has helped thousands of small businesses get the coverage they need to stay in compliance and protect their employees.

star-regular

Made for You

It's work comp, simplified for small business. Our online platform allows top national carriers to serve all businesses – even those with less than 10 employees.

Florida Workers' Compensation Requirements

You are required to carry workers' compensation insurance in Florida if:

  • You have four or more part- or full-time employees. This includes corporate officers and Limited Liability Company (LLC) members.
  • You are in the construction industry and have at least one part- or full-time employee. Sole proprietors, corporate officers and LLC members are considered employees, and many trades are classified as construction businesses in Florida.
  • You are in the agricultural industry and have at least six employees.

Contractors: Contractors should confirm that their sub-contractors have insurance before they work on a project. Otherwise, the sub-contractor’s employees become the responsibility of the contractor, who can be held liable in a work comp case.

If you are an independent contractor, you might not be covered by the hiring company’s insurance policy and may need to provide proof of work comp. Are you an employee or an independent contractor? 10 ways to tell >>

Owners and Officers: Corporate officers and LLC members may choose to exempt themselves from coverage, if they wish. Sole proprietors and partners are not required to have coverage, but can choose to include themselves on a policy.

A Florida workers’ compensation policy is only in effect within the state. If your employees travel across state lines to work, make sure you comply with their work comp requirements.

Workers' Compensation Florida Rates

Florida is a base rate state, which means the initial insurance rates are mandated by the state. Florida uses NCCI (National Council on Compensation Insurance) to recommend base rates for each class code. The base rate is multiplied by your payroll, and then your experience modifier and other discounts may be applied to calculate the final premium. Learn more about workers’ comp insurance rates >>

While insurance costs spiked in 2016, more recently Florida rates have decreased. In late 2017, the Florida Insurance Commissioner ordered a statewide rate decrease, citing that safer workplaces and greater use of automation led to fewer workplace injuries.

Florida’s workers’ compensation system has been hotly debated over the past several years, as lawmakers have sought to control insurance costs.

The state legislature also recently passed a bill expanding workers’ compensation benefits to first responders that suffer PTSD or other mental injuries in the line of work.

Florida Work Comp Resources

Editor's note: Last updated on December 12, 2018

How to Get Workers’ Comp in Florida

mouse-pointer-solid

1. Request Coverage

We've made it easy. Answer a few simple questions about your business, employees and payroll. 

file-regular

2. Review Your Quote 

Receive an online quote from one of our top-rated carriers. all rated A or higher by A.M. Best.

shopping-cart-solid

3. Purchase Your Policy

Some policies can be purchased online that same day — for near-instant coverage. 

Florida has a private market. You can purchase a workers' compensation policy from any private insurance carrier or agency that is licensed to write in that state. Get started on a policy with WorkCompOne >>

Tips to get workers' compensation insurance in Florida: 
  • Check your state laws. Review the small business work comp requirements below to determine whether your business needs coverage, and which employees must be included on the policy. 
  • Calculate your payroll. Whether you need work comp insurance depends on number of employees, but insurance rates will be based on the payroll of employees covered by the policy.
  • Contact an insurance agency or carrier to request a quote. Check that your selected insurer is licensed to write in all states where you need employees covered - that is, all states where your employees perform work. 

When you request a quote, you'll need to know: EIN number; number of employees and payroll amount(s); business locations and their addresses.

Another option is to contract with an employee leasing company or professional employer organization. These companies become the legal employer of your workers and provide work comp coverage, in exchange for a fee. Commercial self-insurance funds are also available, and allow members to share liability for workers’ compensation insurance.

If you’re having trouble finding coverage, you can contact the Florida Workers’ Compensation Joint Underwriting Association, which will place you with a carrier.

Learn more about how to get workers' compensation insurance in Florida.

partner-amtrust2-1
partner-cna2
partner-markel-gray
partner-hartford-gray
pie-logo-1-gray2
partner-travelers-gray

Get a Quote Today

Save Up to 20% on Your Work Comp Policy!

Get a Quote

Related Resources

workers comp insurance cost
How Is Workers' Comp Insurance Calculated?

Premiums vary based on business size, location, industry and claims history. Find out the average small business work comp premium and how much you might pay.

Learn More

florida workers compensation
How to Get Workers' Compensation Insurance in Florida

Want a step-by-step guide to buying a work comp policy? Here’s everything you need to know about buying work comp insurance in the sunshine state.

Learn More

work comp cost calculator
How Much Does Workers' Comp Insurance Cost in Florida?

Understand what Florida rates are today, how rates are calculated, and ways to save on your policy.

Learn More

More Small Business Advice