{"id":216,"date":"2026-10-10T18:12:31","date_gmt":"2026-10-10T22:12:31","guid":{"rendered":"https:\/\/www.myuniversalinsurance.com\/workers-compensation-insurance\/"},"modified":"2026-10-29T15:07:19","modified_gmt":"2026-10-29T19:07:19","slug":"workers-compensation-insurance","status":"publish","type":"page","link":"https:\/\/www.myuniversalinsurance.com\/es\/workers-compensation-insurance\/","title":{"rendered":"Seguro de compensaci\u00f3n laboral"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"216\" class=\"elementor elementor-216\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1874657 e-flex e-con-boxed uia-pagehero e-con e-parent\" data-id=\"1874657\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c283c20 elementor-widget elementor-widget-text-editor\" data-id=\"c283c20\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"uia-crumbs\"><nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><span class=\"last\">Home<\/span><\/p><\/nav><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5da178a uia-eyebrow elementor-widget elementor-widget-heading\" data-id=\"5da178a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Workers' compensation<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-395f933 elementor-widget elementor-widget-heading\" data-id=\"395f933\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Workers' compensation insurance in Florida<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7cb29c9 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"7cb29c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Florida&#8217;s workers&#8217; comp rules depend on your industry and headcount. We&#8217;ll confirm what applies to you and find a policy that&#8217;s priced on your actual payroll and job classes.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c9fbcc9 elementor-widget elementor-widget-text-editor\" data-id=\"c9fbcc9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"uia-btns\"><a class=\"uia-a-btn uia-gold\" href=\"\/get-a-quote\/?coverage=workers-comp\">Get a workers&#8217; comp quote<\/a><a class=\"uia-a-btn uia-ghost\" href=\"tel:+14078981116\">Call (407) 898-1116<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-93b85a6 e-flex e-con-boxed e-con e-parent\" data-id=\"93b85a6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5c37e07 e-flex e-con-full uia-answer e-con e-child\" data-id=\"5c37e07\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-009255b elementor-widget elementor-widget-heading\" data-id=\"009255b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">The short answer<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c69f3e1 elementor-widget elementor-widget-text-editor\" data-id=\"c69f3e1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>In Florida, construction businesses must carry workers&#8217; 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&#8217; medical bills and part of their lost wages for job-related injuries.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-28ff2e1 uia-prose elementor-widget elementor-widget-text-editor\" data-id=\"28ff2e1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2>How premiums are calculated<\/h2><p>Workers&#8217; comp is priced on your payroll in each job classification, multiplied by a rate for that class. An office worker&#8217;s rate is far lower than a roofer&#8217;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.<\/p><h2>Exemptions for owners<\/h2><p>Some corporate officers can file for an exemption with the Florida Division of Workers&#8217; Compensation. Construction exemptions are limited and have their own rules. We&#8217;ll help you understand whether an exemption fits, and what it means for your own coverage if you get hurt.<\/p><h2>Getting the classifications right<\/h2><p>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.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-756ead5 elementor-widget elementor-widget-accordion\" data-id=\"756ead5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1231\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1231\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Do I need workers' comp for subcontractors?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-1231\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1231\"><p>In construction, a contractor can be responsible for an uninsured subcontractor&#8217;s employees. Collect certificates of insurance or exemption proof from every sub before work starts.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1232\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1232\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">What is a workers' comp audit?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-1232\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1232\"><p>After the policy year ends, the carrier checks your actual payroll by class code. If payroll was higher than estimated, you&#8217;ll owe more. If lower, you may get a refund.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1233\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1233\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Does workers' comp cover owners?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-1233\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1233\"><p>It can. Depending on your business type and whether you&#8217;ve filed an exemption, owners and officers may be included or excluded. We&#8217;ll walk through the choice with you.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Do I need workers' comp for subcontractors?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>In construction, a contractor can be responsible for an uninsured subcontractor&#8217;s employees. Collect certificates of insurance or exemption proof from every sub before work starts.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"What is a workers' comp audit?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>After the policy year ends, the carrier checks your actual payroll by class code. If payroll was higher than estimated, you&#8217;ll owe more. 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We&#8217;ll walk through the choice with you.<\\\/p>\"}}]}<\/script>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-83bc913 elementor-widget elementor-widget-text-editor\" data-id=\"83bc913\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"uia-btns\"><a class=\"uia-a-btn uia-blue\" href=\"\/get-a-quote\/?coverage=workers-comp\">Get a workers&#8217; comp quote<\/a><a class=\"uia-a-btn uia-outline\" href=\"\/commercial-quote-application\/\">Fill out the full application<\/a><a class=\"uia-a-btn uia-outline\" href=\"\/business-insurance\/\">All business coverage<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dc5fc9b e-con-full e-flex e-con e-parent\" data-id=\"dc5fc9b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ec9c8aa elementor-widget elementor-widget-html\" data-id=\"ec9c8aa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Service\",\"name\":\"Workers' Compensation Insurance\",\"serviceType\":\"Workers' compensation insurance\",\"description\":\"Florida workers' compensation insurance for construction and non-construction businesses.\",\"url\":\"https:\/\/www.myuniversalinsurance.com\/workers-compensation-insurance\/\",\"provider\":{\"@id\":\"https:\/\/www.myuniversalinsurance.com\/#organization\"},\"areaServed\":{\"@type\":\"State\",\"name\":\"Florida\"}}<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Workers&#8217; compensation Workers&#8217; compensation insurance in Florida Florida&#8217;s workers&#8217; comp rules depend on your industry and headcount. We&#8217;ll confirm what applies to you and find a policy that&#8217;s priced on your actual payroll and job classes. Get a workers&#8217; comp quoteCall (407) 898-1116 The short answer In Florida, construction businesses must carry workers&#8217; compensation once [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-216","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/pages\/216","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/comments?post=216"}],"version-history":[{"count":4,"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/pages\/216\/revisions"}],"predecessor-version":[{"id":413,"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/pages\/216\/revisions\/413"}],"wp:attachment":[{"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/media?parent=216"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}