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- FL Agency License L016633
Workers' compensation
Florida’s workers’ comp rules depend on your industry and headcount. We’ll confirm what applies to you and find a policy that’s priced on your actual payroll and job classes.
The short answer
In Florida, construction businesses must carry workers’ compensation once they have one or more employees, which can include owners and officers. Most non-construction businesses must carry it with four or more employees, full or part time. Agricultural employers need it with six or more regular employees or twelve or more seasonal workers. It pays employees’ medical bills and part of their lost wages for job-related injuries.
Workers’ comp is priced on your payroll in each job classification, multiplied by a rate for that class. An office worker’s rate is far lower than a roofer’s. Your experience modification factor, based on your claims history, adjusts the price up or down as your business grows. At the end of the policy year, the carrier audits your actual payroll and adjusts the premium.
Some corporate officers can file for an exemption with the Florida Division of Workers’ Compensation. Construction exemptions are limited and have their own rules. We’ll help you understand whether an exemption fits, and what it means for your own coverage if you get hurt.
The most common reason a business overpays, or gets a surprise bill at audit, is employees placed in the wrong class code. We review your payroll and job duties carefully up front.
In construction, a contractor can be responsible for an uninsured subcontractor’s employees. Collect certificates of insurance or exemption proof from every sub before work starts.
After the policy year ends, the carrier checks your actual payroll by class code. If payroll was higher than estimated, you’ll owe more. If lower, you may get a refund.
It can. Depending on your business type and whether you’ve filed an exemption, owners and officers may be included or excluded. We’ll walk through the choice with you.
