Workers' Compensation Fort Lauderdale

Comprehensive, simple, and affordable coverage is available for your company - as well as your staff. Whether you’re running an established company or launching a start-up, all small businesses with employees on their payroll should strongly consider getting Workers’ Compensation insurance.

This type of coverage offers benefits to members of your staff, which can help them if they sustain any work-related illnesses or injuries. That includes missing wages for time taken off work, as well as medical care, among other expenses.

Workers Compensation Fort Lauderdale, FL

What is Workers' Comp Insurance?

Regardless of the type of protocols you implement, accidents happen from time to time. Thankfully, Workers’ Compensation insurance can provide you with the benefits that you need. Your company and staff will be safe in the wake of illnesses or injuries on the job.

Workers’ Comp will provide your company with the following coverage:

  • Missed Wages for ill or injured employees when they take time off from work.
  • Medical Expenses to care for and treat any sick or injured employees.
  • Vocational Rehabilitation for injured employees to facilitate their recovery.
  • Compliance with State Laws - to help you avoid fines and penalties imposed by this state for lack of insurance coverage.
  • Minimize Out-of-Pocket Expenses - OCMI’s affordable Pay-As-You-Go plans keep you safeguarded from expensive workplace illnesses or injuries.
  • Lawsuit Protection - from employees that try to sue your business or you. Workers’ Compensation insurance comes with employer liability coverage.
  • Death benefits can be issued to cover any funeral costs for employees who pass away because of an incident that is work-related.

Who Need Workers' Comp Coverage?

Who Needs Workers Comp?

Workers’ Compensation insurance should be carried if you’ve hired anybody in your company. As per Florida state law, companies in the construction sector are obligated to have this type of coverage right after hiring somebody. Non-construction companies in the city of Fort Lauderdale need to carry Workers’ Compensation insurance right after at least four employees have been hired.

You might be exempt from Workers’ Compensation in several instances. Consult a state representative to determine if this type of coverage is something your business must have.

If you run your company without the necessary insurance coverage, you may be subjected to civil penalties. When this happens, stop-work orders may be imposed on your company, forcing you to halt operations until the business is in full compliance with all laws. Any outstanding penalties need to be paid in full as well.

Failure to comply with stop-work orders may result in a criminal charge. To avoid this, make sure that the coverage you get is in full compliance with state laws. That way, you can bypass penalties and stay protected from employee lawsuits. Employees that receive benefits cannot take you to court for lost wages or injuries sustained on the job.

Protect Your Fort Lauderdale Company with OCMI Workers' Comp!

Fort Lauderdale-based businesses get an immediate quote if they have the information below ready:

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

Types of Workers’ Comp Insurance

How is Workers' Compensation Calculated?

Because the state is "base-rated", insurance rates happen to be enforced by Florida – at least initially. All occupations come with class codes assigned to their work scope. The state will determine what percentage gets assigned to your code. Workers’ Compensation will be calculated by multiplying gross payroll by the coverage rate you get.

OCMI Workers' Comp provides simplified and affordable insurance programs covering businesses in the city of Fort Lauderdale, regardless of the amount employees on their payroll. We’ll answer your questions to help you facilitate things. Stop your company from being vulnerable to costly medical expenses, state penalties, and potential lawsuits. Get a FREE instant quote today!

Affordable Workers' Comp in Fort Lauderdale

Workers' Comp. is mandated by Florida law. There are exceptions to the rule, so it would do you well to consult a state representative and determine the coverage applicable to your business.

If you choose to forgo Workers’ Compensation insurance, you could put the company at significant risk financially. You may be taken to court for a workplace injury, or fined for failing to obey 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

Be mindful that this type of insurance keeps your business and employees protected. As long as the coverage is in full compliance with Florida law, members of your staff who get those benefits cannot sue you if they sustain an injury or want to recoup lost wages.

Why OCMI for Workers’ Comp in Fort Lauderdale?

Fort Lauderdale businesses will receive high-end insurance products, and do so with rates that everybody can afford. We can expedite the entire claims process for you and take the stress of the equation. OCMI Workers' Comp helps business owners get the right coverage – ones that are in full compliance with all business and state requirements, minus the hassles and extra costs. In short, we can make it affordable and easy for you to remain protected.

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 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


FAQ's: Workers' Comp Fort Lauderdale

Below you will find answers to our most commonly asked questions about Workers' Compensation Insurance Coverage in Fort Lauderdale, 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 wouldn’t be covered by Workers’ Compensation.
It varies based on where the business operates. For example, certain types of employees, such as seasonal workers, may not be covered by Workers’ Compensation . Contact us at (800) 718-7552 and we’ll help you answer any state-specific questions you have about your coverage.
Not usually. While Workers' Compensation laws vary from state-to-state, most states don’t require sole proprietors to carry Workers’ Comp.
Workers’ Comp covers employees that are injured or suffer an illness while at work and may need medical attention, short and long term disability or therapy, loss wages and litigation if need be.
In short, a Workers' Comp policy can cover a business in multiple states as long as they were approved by their carrier to operate in those locations.
Workers' Comp is calculated by taking your gross wages, multiplied by your Workers' Comp rate(s). Every occupation has a class code associated with their scope of work in which the state determines the percentage assigned to that code.
Workers' Compensation is a line of commercial insurance where you must apply before being approved. Every policy must go through underwriting before a policy number can be assigned. This ranges from instantly up to a few days to be approved.
It is important to protect business owners and their employees in the event of an accident. Workers' Comp protects the business from potential liability and ensures the safety and well being of employees.
It is recommended to carry Workers' Comp if you have any employees. By law any company that is based under the construction industry is required to have Workers’ Comp coverage as soon as 1 employee is hired. Any company that is Non-construction is required to carry Workers’ Comp as soon as they have 4 employees or more!
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