Workers' Compensation Insurance in Florida
This is Quantico Insurance's dedicated Florida page for workers' compensation insurance. We help employers across the state review their coverage requirements, confirm class codes and quote workers' comp through our independent agency network, with bilingual support from our Orlando office.
Florida Workers' Compensation Requirements
In Florida, construction-industry employers with one or more employees are generally required to carry workers' compensation coverage, including business owners who do not hold a valid exemption. Outside construction, the requirement generally applies to employers with four or more employees, including non-exempt owners, officers or members as applicable. Agriculture and certain other categories follow different thresholds and rules, so requirements should be confirmed for your specific operation.
Workers' compensation pays for medical care and a portion of lost wages when an employee is injured on the job. Operating without required coverage can lead to civil enforcement by the Florida Division of Workers' Compensation, including a Stop-Work Order and penalties.
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 are generally rated higher than office and professional classes.
We help you review class codes (a frequent source of misreported payroll), organize payroll records ahead of audit, and shop coverage across markets — including Pay-As-You-Go billing programs, where available, that calculate premium on actual payroll instead of a large upfront deposit. Final pricing and program eligibility are always determined by the carrier's underwriting.
Owner Exemptions and Subcontractors
Florida allows certain corporate officers and LLC members to apply for an exemption when they meet the state's eligibility requirements; not every owner qualifies, and construction exemptions are more limited and closely tracked by the state. A valid exemption can affect whether that owner or member counts toward the employee threshold.
Construction contractors are responsible for making sure subcontractors carry required workers' compensation coverage before work begins, and for keeping proof of exemption on file when a subcontractor is exempt. Depending on the situation and the carrier's audit rules, uninsured subcontractor payroll may be included in your audit. We help contractors set up Certificate of Insurance tracking so documentation is in place before the audit.
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
Related commercial coverages
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, statewide Florida coverage, class-code review and bilingual support from our Orlando office.
