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Workers’ compensation insurance is required in Florida for most businesses with four or more employees.
Every business that does construction work must have workers’ comp coverage for each employee — including contractors and self-employed workers.
Florida also has requirements for agricultural work. You must provide workers’ comp If you have a business with six or more regular employees or 12 or more seasonal employees who work for more than 30 days per year.
Workers’ comp could also be required in the city where you work or for certain business licenses and certifications. For example, Florida asks for proof of workers’ comp insurance with their general contractor license requirements.
Some clients may also ask for proof of coverage before signing a contract to work with you.
NEXT can help you obtain coverage and a certificate of insurance to satisfy a license or bid requirement.
A workers’ comp policy is optional for your business of three or less employees. But without coverage you could be held responsible for expenses if you or an employee gets hurt on the job.
Some business owners, officers and members of an LLC business are eligible for a workers’ comp exemption.
To be considered exempt, file an exemption application with the Florida Division of Workers’ Compensation.
It’s important to remember: If your business is involved in a workplace accident, any lost wages or medical expenses would be paid out of pocket or through medical insurance.
Workers’ comp can help pay for expenses related to work-related injuries for employees and business owners.
If you or an employee is injured on the job, a Florida workers’ comp policy can help pay for:
Let’s say you own a small plumbing business. While on a job, an employee hits their head and goes to the emergency room. Workers’ compensation could help pay for emergency treatment expenses up to the policy limit.
Workers’ compensation does not cover incidents that are not job-related or situations when the injured person violates company policies, commits misconduct or uses drugs or alcohol.
Workers’ comp can help protect employees and business owners alike.
Add optional owners coverage to your NEXT policy to help with medical expenses not covered by personal insurance or to help cover the cost of lost income if you are injured at work.
Florida workers’ compensation income benefits include one of three options. The maximum annual amount is determined by the Florida Division of Workers’ Compensation:
In the unfortunate event of an employee’s death, workers’ compensation provides 66.67% of the deceased worker’s average weekly wage to dependents, up to $150,000.
Learn more about workers’ compensation coverage.
Failing to provide workers’ comp when required under Florida law can result in a stop-work order enforced by the Division of Workers’ Compensation. Stop-work orders happen about 2,500 times a year or an average of almost seven times a day, according to data provided by the state.
Any business that receives a stop-work order has to close until it’s in compliance. In some cases, there could be a penalty of double the estimated workers’ comp insurance costs for two years.
If you’re not required to provide workers’ comp based on Florida laws, employees can still file a lawsuit to recover medical expenses or lost wages after a workplace injury.
Workers’ compensation costs vary across industries. Factors that influence price include:
The best way to determine the insurance rate for your business is to get a free instant quote from NEXT and Tivly, our trusted insurance partner.
NEXT works with Tivly to offer an easy way to get a free workers’ compensation insurance quote, purchase coverage and get access to your certificate of insurance.
General liability insurance protects your business from common mistakes or accidents, such as customer injury or damages to someone’s property.
In Florida, all business-owned vehicles must be covered by commercial auto insurance. If you drive or use your personal vehicle for work, commercial auto insurance can help protect your business from the cost of accidents.
Commercial property insurance can provide financial help if your business structures, goods, gear or inventory are damaged or destroyed by a covered event.
Professional liability insurance, also known as Errors & Omissions insurance, provides financial protection against claims of professional mistakes and negligence.
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