Workers’ Comp Insurance

Protect Your Employees & Your Liability

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Workers’ Compensation Industry Specialization


Automotive / Transportation
Construction / Roofing
Hospitality (Golf Courses, Hotel & Restaurants)
Manufacturing / Distribution
Family Enterprise Specialists


Accounting Firms
Architectural / Engineering Firms
Community Banks / Credit Unions
Law Firms
Family Enterprise Specialists

What is Workers’ Compensation Insurance?

A worker’s compensation policy covers employees’ medical costs due to on-the-job injuries, and in return, employers are immune from injury lawsuits by employees. In Florida, the benefits are regulated by the Division of Workers’ Compensation but paid entirely through private insurance or self-insurance means. The benefits include medical expenses, disability, and death. The amount of compensation payable is limited and fixed by law. Premiums are determined by the class of the employees and the payroll of the insured. Worker’s Comp is required for all private employers with four or more employees (one or more in the construction industry). In certain situations, an employer may qualify for a workers’ compensation exemption certificate.

Workers’ Compensation Coverage

This portion of a Worker’s Compensation policy covers bodily injury by accident that occurs on the job and by disease caused or aggravated by the conditions of employment. For example, a worker is involved in an auto accident while on the job. Some common benefits available to employees under this coverage are:

  • Medical treatment
  • Permanent and temporary disability
  • Death benefits

Employers’ Liability

This section of the policy protects employers if they are found civilly liable for employee injuries related to work. Employers’ liability coverage helps protect your business against claims such as:

  • Care and loss of services
  • Certain types of third-party claims
  • Consequential bodily injury to a family member of the employee

There are significant penalties for employers who are required to carry WC benefits for employees but fail to do so.