Florida Workers Comp Insurance

Florida Workers Comp Insurance provides benefits to employees for work-related injuries or illnesses including medical care, wages from lost work time, and more.

Easy, affordable, comprehensive coverage for your Florida-based business and employees. From start-up to established brands – every small business that employs a staff should consider having Workers Comp Insurance Florida.

Florida Workers Comp Insurance

What is Florida Workers Comp Insurance?

Accidents happen, regardless of the type of business you operate. Therefore, Florida Workers Comp Insurance provides critical benefits to help you and your employees to be protected in the event of a work-related injury or illness.

Protect Your Business & Employees with Workers Comp Insurance

  • Lost Wages for your injured or ill worker while they are off work.
  • Medical Expenses to treat and care for your injured or ill worker.
  • Vocational Rehabilitation if the injured employee is in need of ongoing care to help them recover and get back to work.
  • Less High Out-of-Pocket Business Expenses - Pay-As-You-Go plans keep you protected from the high costs of workplace injuries or illness.
  • State Law Compliance - Avoid fines and penalties imposed by the state for not having proper insurance coverage for your employees.
  • Protection From Lawsuits - If an employee should sue, your business is protected because Workers Comp Insurance includes employer liability coverage.
  • Death Benefits can be used to cover funeral costs, in case an employee happens to pass away due to a work-related incident.

Who needs Workers Comp Insurance in Florida?

Workers' Comp Insurance in Florida

It is recommended that a business owner carry Workers Comp Insurance if they have as few as one single employee. According to Florida state law, any company based under the construction industry is required to have Workers Comp Insurance coverage as soon as one employee is hired. However, non-construction companies must carry Florida Workers Comp Insurance as soon as they have four or more employees.

In addition, there are some instances where you may be Workers Comp exempt. Therefore, you will want to check with the state to find out if coverage is mandatory for your business category.

Operating without the required Florida Workers Comp Insurance puts you at risk for civil penalties. In other words, you or your business could be subject to a stop-work order that requires you to cease all operations until your business complies with the law AND all penalties are paid.

If you choose not to comply with a stop-work order, the action could result in criminal charges. However, as long as your coverage is compliant with the state law, you can avoid penalties and your employees who receive benefits can’t sue you or your business for injuries or lost wages.

Get an Instant Quote for Florida Workers Comp Insurance

To get started please have the following information ready:

EIN or SSN, Business Overview (including details about your business), and your preferred Coverage Start Date.

Types of Florida Workers Comp Insurance

How is Workers Comp Calculated?

Florida is "base rated", which means the initial insurance rates are mandated by the state. Every occupation has a class code associated with their scope of work and the state determines the percentage assigned for each code. Therefore, Workers Compensation is calculated by taking your gross payroll, multiplied by your Workers Comp rate(s).

OCMI offers affordable, simplified Florida Workers Comp Insurance programs, no matter how many employees you have. Above all, we are here to answer questions and to help you get a policy quickly. Do not leave your business open to state penalties, high medical expenses or potential lawsuits - contact us today for a FREE instant quote!

Affordable PEO Workers Comp Programs

It is required by law in the state of Florida to carry Workers Comp Insurance. Some worker exemptions exist, so you’ll want to check with your state to find out if coverage is mandatory for your business.

Choosing to forgo Workers Comp Insurance coverage puts your business at high financial risk. Not only can you face a lawsuit for workplace injuries, but you will likely be fined for breaking the law.


$16.56 per emp

Tile Installation

$18.52 per emp


$28.72 per emp

Carpet/Tile Install

$19.16 per emp

Child Day Care

$6.04 per emp


$26.32 per emp

Sprinkler Install

$20.04 per emp

Fence Erection

$32.04 per emp

Carpentry Interior

$31.32 per emp

Carp. Shop Only

$32.04 per emp


$11.92 per emp


$24.00 per emp

Iron/Steel Fab

$19.52 per emp


$42.08 per emp


$38.92 per emp


$19.32 per emp

Road Construction

$35.60 per emp


$67.92 per emp

Tree Trimming

$36.00 per emp


$22.52 per emp

Concrete Const.

$37.00 per emp


$36.80 per emp


Call for Rates

In conclusion, Florida Workers Comp Insurance protects not only your employees, but also your business. For example, if your insurance is compliant with state law, an employee who receives benefits can’t sue you for their injury or lost wages.

Why choose OCMI Workers Comp?

At OCMI, we are a top-rated PEO Marketing Broker Firm delivering better rates while also also making the claims process fast and stress-free with unrivaled customer service. Our dedicated team is available to help you find affordable Florida Workers Comp Insurance Programs, fulfilling state and business requirements without the added hassle. In other words, we make it easy and affordable to protect and run your business.

OCMI Workers Comp Logo
  • Instant Same-Day Quotes.
  • Trusted by Thousands of Business Owners.
  • Simple 3-Step Hassle-Free Process.
  • Affordable Pay-As-You-Go PEO Programs Available.
Some Industries We Service
Florida Workers Comp for Construction Companies


Workers Comp Florida for Manufacturing Companies


Workers Comp Florida for Hospitality Industry


Workers Comp Florida for Transporting Company


Workers Comp Florida for Agricultural Company


Workers Comp Florida for Medical Company


Workers Comp for Landscaping Company


Workers Comp for Clerical Company


Frequently Asked Questions

Below you will find answers to the most frequently asked questions about Workers Compensation Insurance Florida.

In addition to injuries that occur outside of work, injuries that occur intentionally, while commuting to and from work, or due to intoxication or substance abuse would not be covered by Workers Compensation.
Coverage varies based on where the business operates. For example, certain types of employees, such as seasonal workers, may not be covered by Workers Compensation. However, there are many factors that play a role in coverage. For more information, contact us at (800) 718-7552 and we will help answer any state-specific questions you may have.
Not usually, no. However, while Workers Compensation laws vary from state-to-state, most states don’t require sole proprietors to carry Workers Comp Insurance.
Most coverage provides an employee that becomes injured or suffers an illness while at work and requires medical attention with short and long term disability or therapy, loss wages and litigation, if need be. This type of coverage will protect them in the event of a job-related injury or illness.
A Workers Comp policy can cover a business in multiple states as long as they were approved by their carrier to operate their business in those locations. In other words, be sure to confirm that your business has the right coverages.
This coverage is calculated by taking your gross wages, multiplied by your Workers Comp rate(s). For instance, every occupation has a class code associated with their scope of work in which the state determines the percentage assigned to that code.
Each policy must go through underwriting before a policy number can be assigned. Therefore, approval time ranges may vary from same-day to a few days.
Protecting your company is important to both the business owner and their employees in the event of an accident. Therefore, Workers Compensation Insurance protects the business from potential liability and ensures the safety and well being of employees.
By law, any company that is based under the Construction industry and has even a single employee is required to have Workers Comp coverage as soon as 1 employee is hired. However, non-construction companies are required to carry Workers’ Comp as soon as they have 4 employees or more.

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