Workers' Comp Miami

Thorough, affordable, and easy coverage is available not just for your company, but your employees, as well. Whether your company is established, or you are running a start-up business, you really should consider getting Workers’ Compensation insurance if anybody is on your payroll.

Workers’ Compensation insurance offers benefits to your staff members for any illnesses or injuries sustained on the job. These individuals can be compensated for lost wages, medical care, and more.

Workers Comp Miami

What is Workers' Comp Insurance?

Accidents happen from time to time, there is no getting around that, no matter how careful you are running your company. Thankfully, Workers’ Compensation insurance can provide critical benefits for employees. This type of insurance also protects your company.

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

  • Missed Wages that cover sick or wounded workers while they take time off work.
  • Medical Expenses to cover ill or injured workers.
  • Vocational Rehabilitation for injured employees that need recovery time before they can return to work.
  • Compliance with State Laws to avoid penalties and fines imposed by the state. Such findings are issued when companies do not protect their employees with the proper 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 you or your company. This type of insurance comes with employer liability coverage.
  • Death benefits to cover any funeral expenses if a member of your staff dies because of a work-related incident.

Who Need Workers' Comp in Miami?

Who Needs Workers Comp?

Workers’ Compensation is necessary for anybody who has employees. As per Florida state law, companies in the construction sector must carry this type of coverage right after anybody is hired. Non-construction companies need to carry Workers’ Compensation insurance once at least four employees are on the payroll.

Workers’ Compensation does come with some exemptions. Consult a state rep to determine if coverage will be mandatory for the company you run.

If you operate your company without the proper insurance coverage, you are putting it at great risk, either for a civil penalty or stop-work orders. When this happens, you might have to pause work operations until the business is in full legal compliance, and any outstanding penalties/fines are paid in full.

Failure to comply with stop-work orders may result in a criminal charge. All you need to do the bypass these legal headaches is be in full compliance with state laws. In doing so, employees won’t be able to sue your company (or you) for lost wages or injuries.

Protect Your Company with OCMI Workers' Comp!

Miami-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 – at least initially – are state-mandated. All occupations have class codes that are associated with whatever the scope of work entails. Florida will establish what percentage will be assigned to your code. Workers’ Compensation will be calculated by multiplying your business’ gross payroll by the compensation rate you get.

OCMI Workers' Comp provides simplified and affordable Workers’ Compensation insurance. Miami-based businesses can (and should) get it, regardless of how many staff members are employed. We will answer any questions that you have. Prevent your company from being vulnerable to Florida’s penalties, potential lawsuits, and costly medical expenses. Get a FREE instant quote today!

Affordable Workers' Comp in Miami

The state mandates this type of insurance. There are exceptions to the rule, so consult a state representative and determine if coverage will be mandatory for the company you run.

If you forgo this coverage, your business could be at great risk, financially speaking. You could be subjected to a workplace injury lawsuit, as well as a fine for not following 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

Workers’ Compensation insurance keeps your business protected, as well as your employees. By keeping the business in full compliance with Florida law, anybody who gets benefits won’t be able to take you to court for lost wages or workplace injuries.

Why OCMI for Workers’ Comp in Miami?

We provide insurance products that are highly rated, and do so inexpensively to companies throughout Miami, FL. We expedite the entire claims process and make it stress-free. OCMI Workers' Comp finds suitable coverage for business owners – ones that are in full compliance with business and state requirements.

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 Miami

Below you will find answers to our most commonly asked questions about Workers' Compensation Insurance Coverage in Miami, 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!
Have Questions?
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