Workers' Compensation Orlando

Reasonably-priced, simple, and all-inclusive insurance is obtainable for both your workforce and your enterprise. It doesn’t matter if you are unveiling an all-new start-up or have been around the block for a while - if your business hires people, Workers’ Compensation may be unavoidable.

Staff are provided with this coverage when they suffer illnesses or injuries on the job. They could be compensated for missing wages and medical care bills, among other expenses.

Workers Compensation Orlando, FL

What is Workers' Comp Insurance?

As careful as you may be, accidents on the job can (and will) happen. Luckily, benefits are offered for your personnel and your enterprise. Everyone will be protected from work-related illnesses or injuries courtesy of Workers’ Comp.

Workers’ Comp Insurance covers the following:

  • Missed Wages for ill and injured staff as they miss work.
  • Medical Expenses cover treatment for ill and injured workers.
  • Vocational Rehabilitation to help facilitate recovery for injured employees, especially if ongoing care is needed.
  • Compliance with State Laws to bypass penalties and fines levied by Florida. If workers lack suitable coverage, a penalty will ensue.
  • Minimize Out-of-Pocket Expenses - OCMI’s affordable Pay-As-You-Go plans keep you safeguarded from expensive workplace illnesses or injuries.
  • Lawsuit Protection to prevent employees from suing you. This type of insurance comes with employer liability coverage.
  • Death benefits that cover funeral expenses if an employee dies on (or because of) the job.

Who Need Workers' Comp Coverage?

Who Needs Workers Comp?

Orlando businesses need this insurance if workers are part of the company. Construction companies need to get coverage after hiring someone, as per Florida state law. Non-construction enterprises have to get it after 4 employees are on payroll as well.

You may not need to carry Workers’ Comp. Orlando company owners must ask a state rep if this insurance is mandatory.

Operating a company without the right coverage could lead to civil penalties. Stop-work orders may be levied against your business when this happens. Operations will come to a halt until the company is compliant with all state laws. Outstanding fines must be paid up before business can resume as usual.

Criminal charges could be laid if stop-work orders are disobeyed. Be sure the insurance you get doesn’t violate any state laws. Employees won’t be able to take you to court for missing wages or injuries, because legal action can’t be taken by those who accept benefits.

Protect Your Orlando based Company with OCMI Workers' Comp!

Orlando 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?

Orlando enterprises have class codes assigned to their work scope. Florida will decide what percentage your code will get. The gross payroll will be multiplied by the insurance rate to determine the specific percentage. Florida is base-rated, so insurance rates will be initially state-mandated.

OCMI Workers' Comp specializes in Workers’ Compensation programs for all sorts of companies, big and small. We can answer any questions you have. Don’t let your enterprise get sued, penalized, or hit with costly medical expenses. Receive a FREE instant quote today!

Affordable Workers' Comp in Orlando

In Florida, this coverage is mandated. Some exceptions are made, though. Ask a state rep if your organization must get this Workers Comp.

Orlando business owners who skirt this insurance will put the company at risk financially. You could be taken to court for a work injury and/or fined for not adhering to 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 provides your company and employees the protection they need. Staff who get the benefits cannot sue you to recoup missing wages or for on-the-job injuries.

Why OCMI for Workers’ Comp in Orlando?

Orlando-based enterprises will have access to high-end insurance products, sans the high costs. We’ll make the whole claims process a breeze. OCMI Workers' Comp enjoys helping owners get coverage that is compliant with business and state requirements, and does so in a hassle-free and affordable way. We simplify the process of keeping your business and staff protected at affordable rates.

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 Orlando

Below you will find answers to our most commonly asked questions about Workers' Compensation Insurance Coverage in Orlando, 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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