Does Florida require workers compensation insurance?

Yes. Florida requires workers compensation for most employers. Construction businesses must carry workers comp if they have 1 or more employees. Non-construction businesses must carry workers comp if they have 4 or more employees. Agricultural businesses have separate thresholds (6+ regular employees or 12+ seasonal). Penalties for non-coverage are severe — Florida issues stop-work orders and 2x premium penalties.

What does Florida workers compensation cover?

Workers comp covers medical treatment, lost wages (typically 66.67% of average weekly wage), permanent impairment benefits, and death benefits for employees injured on the job. It also provides employers liability coverage to protect against lawsuits by injured workers in limited situations.

How do I quote Florida workers compensation insurance?

Call 941-952-7991 with your business class codes (or NCCI codes), payroll by class, employee count, and 3-5 year loss history if available. We'll have a workers comp quote within 2-3 business days for standard classes; longer for harder-to-place classes.

Hendrickson Insurance

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Workers Compensation. Commercial Lines

Florida workers compensation,
placed properly.

Florida law requires workers compensation insurance for most employers. Construction businesses with 1+ employees, non-construction businesses with 4+ employees. Hendrickson Insurance writes Florida workers compensation for contractors, retailers, restaurants, professional services, and small businesses across Sarasota, Bradenton, Tampa, St. Petersburg, Clearwater, Venice, and Lakewood Ranch. Standard markets when we can, residual market and assigned risk pool when we have to.

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Florida WC Coverage

What workers comp actually covers.

Medical Benefits

All necessary medical treatment for work-related injuries. Doctor visits, hospitalization, surgery, prescriptions, physical therapy. No employee out-of-pocket cost.

Lost Wages

Typically 66.67% of average weekly wage replacement after a 7-day waiting period. Temporary total, temporary partial, and permanent benefits depending on injury severity.

Employers Liability

Limited coverage for lawsuits by injured workers in specific situations. Typically $100K/$500K/$100K limits standard. Important for protecting business owners against gap claims.

Coming Soon

More detail on this page soon.

Expanded content covering NCCI class codes, experience modifier analysis, Florida construction exemption rules, contractor coverage requirements, dividend programs, and audit best practices is coming. In the meantime, call 941-952-7991 for a quote.

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