Workers’ Compensation Florida

Obtenga una excelente cobertura en minutos
Solo debe hacer unos cuantos clics.

Workers’ Comp Florida

workers' compensation floridaSu workers’ compensation insurance gives benefits to your employees that have a job-related injury or illness. These benefits can help pay for:
  • Lost wages
  • Medical expenses
  • Funeral costs
  • Legal fees
To learn more about benefits like covered medical treatments, you can get a workers’ compensation quote  hoy mismo.

Who Needs Workers’ Compensation in Florida?

Florida workers’ compensation law says that most businesses with four or more employees need workers’ comp coverage. However, your industry, size and type of employees does impact the specific coverage you need.1
Some industries that need a workers’ comp policy include:
Construction companies with at least one employee. Keep in mind that corporate officers or limited liability company (LLC) members also count as employees.**
Workers' Comp FloridaNon-construction businesses with at least four workers. This includes business owners who are corporate officers or LLC members.**
Agricultural companies with at least six employees. Coverage is also needed if there are 12 temporary employees who work more than 30 days during a season, but no more than a total of 45 days in a calendar year.**
Out-of-state employers with workers in Florida need a workers’ comp policy with an approved insurance carrier.**
Contractors need to make sure they have workers’ compensation for self-employed or independent contractors at the start of a project in the state.**
Florida’s Division of Workers’ Compensation within the Department of Financial Services can give you more details on the state’s requisitos.

Florida Workers’ Comp Exemption

Florida Workers' Comp ExemptionThere are a few Florida workers’ compensation exemptions for companies and employees who may not need coverage. For instance, sole proprietors and partnerships can go without workers’ comp coverage by filing for a certificate of election to be exempt. However, these businesses can still buy a policy by filing for election of coverage with The Division of Workers’ Compensation.
Some other workers’ compensation exemptions include:2
Corporations outside of the construction industry must register with the Florida Department of State Division of Corporations. An officer of the company will need to apply for an exemption from workers’ compensation.
Limited liability companies (LLCs) outside of the construction industry must register with the Florida Department of State Division of Corporations. The applicant must have at least a 10% ownership of the LLC, and there can’t be more than 10 members be exempt.
For businesses in the construction industry, the eligibility for exemption is different.3
Corporations and LLCs in the construction industry must register with the Florida Department of State Division of Corporations.
  • An officer of the corporation or LLC member with at least 10% ownership will need to apply.
  • No more than three officers or members can be exempt.
  • There is a $50 application fee. 
Florida’s Division of Workers’ Compensation has more details on these exemptions.

How Does Workers’ Compensation Work in Florida?

Florida Workers' Compensation ExemptionIf your employees have a job-related injury or illness, your workers’ compensation insurance can help pay for important benefits like medical expenses. This includes care for repetitive stress injuries, and ongoing treatments, like physical therapy.
This coverage also helps replace lost wages if you have injured workers who need time off to recover from a work-related injury or illness. It can also help cover a permanent disability that keeps your employee from returning to work. It’ll even help cover funeral costs if a job-related accident causes the death of an employee.

Florida Workers’ Compensation Laws

Florida Workers' Compensation LawThe Division of Workers’ Compensation in Florida helps ensure businesses have the resources for workers’ comp programs. They’re able to help injured workers’, employers, health care providers and insurers follow Florida laws. They can help you find out:
  • If you need Florida workers’ compensation coverage
  • When injured or sick employees can receive benefits
  • How much to pay workers’ comp attorneys

How Much Is Workers’ Comp in Florida?

The cost of workman’s comp insurance is calculated per $100 of payroll with this formula:
Workers’ Classification Code Rate X Experience Modification Number X (Payroll/$100) = Premium***
Your state determines your classification code depending on the type of work your employees do. Your state will also decide your experience modification number by comparing your company to others in your industry.
To learn more, contact your insurance company or get a workers’ compensation quote from us today.

Florida Workers’ Compensation Claims

If you need to file a claim in your state, visit our workers' comp claims página.
** Workers’ compensation requirements as of January 2019.
*** The simplified workers’ compensation premium calculation is for reference purposes only. Actual premium calculations can be more complex. Experience mods are subject to state requirements and do not apply to every policy.
The Hartford no será responsable de ningún daño relacionado con el uso de la información proporcionada en esta página. Consulte con su agente/corredor de seguros o compañía de seguros para determinar las necesidades específicas de cobertura, ya que el contenido publicado aquí se ofrece con fines informativos solamente.
La información contenida en esta página no debe interpretarse como asesoramiento legal, de Recursos Humanos, financiero o de seguros específico, y no es una garantía de cobertura. En el caso de una pérdida o reclamación, las determinaciones de cobertura estarán sujetas al lenguaje de la póliza, y cualquier pago de reclamación posible se determinará luego de que se investigue la reclamación.
Ciertas coberturas varían según el estado y es posible que no estén disponibles para todas las empresas. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. listed in the Aviso legal.
The Hartford Financial Services Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.