Workers' Compensation Pensacola

Comprehensive, easy, and affordable coverage is available for your staff and company. Whether your brand is established or you are launching a start-up, you should get Workers’ Compensation insurance if you have employed anybody in your company.

This type of coverage will provide benefits to staff if they sustain illnesses or injuries on the job. They will receive compensation for missing wages and medical care, among other expenses.

Workers Compensation Pensacola, FL

What is Workers' Comp Insurance?

Regardless of how careful you run your company, an accident is likely to happen at some point. Thankfully, Workers’ Compensation can provide benefits to your business and employees, helping everybody involved remain protected, should somebody sustain an illness or injury on the job.

Pensacola-Based businesses will receive the following protection:

  • Missed Wages to cover ill or injured workers as they take time off from work.
  • Medical Expenses to care for and treat injured and ill workers.
  • Vocational Rehabilitation to help injured employees receive ongoing care and help them return to work in better shape.
  • Compliance with State Laws which can help to avoid penalties or fines imposed by this state if you do not carry 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 if an employee tries to take them to court. Your business will remain protected, as employer liability insurance is part of Workers’ Compensation insurance.
  • Death benefits to cover 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 anybody is on your payroll. As per Florida state law, all companies in the construction sector are mandated to carry Workers' Comp coverage right after their first employee is hired. Non-construction entities need to carry this insurance as well after at least four employees have been hired.

In some instances, there may be exemptions from Workers’ Comp. Pensacola-based business owners should consult a state representative and determine if coverage will be mandatory for the company they run.

Operating your company without the necessary insurance coverage will put you at great risk for a civil penalty. When that happens, your company might be forced to cease operations because of stop-work orders. You won’t be able to restore operations until all penalties have been paid, and the business is in full compliance with all laws.

Failure to comply with stop-work orders may result in potential criminal charges for you. Avoid that by making sure the coverage you get adheres to state laws. You’ll bypass penalties as a result, and employees that get these benefits won’t be able to sue your organization for missing wages or injuries.

Protect Your Pensacola Company with OCMI Workers' Comp!

Pensacola-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 Florida is "base-rated", insurance rates will be state-mandated, at least at first. All occupations come with class codes that are assigned to their specific work scope. The state will determine what percentage will be assigned to your business’s code. Workers’ Compensation will be calculated once your business’ gross payroll is multiplied by the coverage rate.

OCMI Workers' Comp provides simplified and affordable insurance programs for all types of businesses, regardless of how many staff are on the payroll. If you need answers to questions, we are here for you. Prevent your company from being susceptible to costly medical bills, state penalties, and potential lawsuits. Get your FREE instant quote today!

Affordable Workers' Comp in Pensacola

Workers’ Compensation is mandated by Florida state law. There are exceptions to the rule, so consult a state representative and inquire if your business needs to get mandatory coverage.

If you choose to forgo this type of coverage, your business could be a tremendous financial risk. You could be sued for a workplace injury and fined 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 keeps your staff and business protected. The insurance you get is in full compliance with state laws. In doing so, employees won’t be able to file suit against you for lost wages or injuries if they receive benefits.

Why OCMI for Workers’ Comp in Pensacola?

Pensacola-based companies will have access to insurance products that are highly rated and very affordable. We can also expedite the entire claims process for you and make it stress-free. We are committed to assisting business owners select suitable compensation. We simplify the process of keeping your business and employees protected, and do so 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 Pensacola

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