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.
Our proprietary online quoting tool makes it easy. Just answer a few simple questions about your business.
As an independent agency, we can shop around our network of carriers, and deliver the best quote to you.
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.
Since 2012, WorkCompOne has helped thousands of small businesses get the coverage they need to stay in compliance and protect their employees.
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.
Employers are required to carry workers' compensation insurance in Florida if:
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. Check whether you'd be considered an employee or an independent contractor and find out what trade contractors need to know before buying work comp insurance.
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.
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.
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.
Editor's note: Last updated on September 29, 2021
We've made it easy. Answer a few simple questions about your business, employees and payroll.
Receive an online quote from one of our top-rated carriers, all rated A or higher by A.M. Best.
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 >>
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.
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.
Understand what Florida rates are today, how rates are calculated, and ways to save on your policy.