Workers' Comp Tampa

Comprehensive, simple, and inexpensive coverage to accommodate your staff and your company. Whether you are running a well-established brand or launching a start-up, you will need Workers' Compensation insurance if you are employing people.

Workers' Compensation insurance offers benefits to staff for illnesses or injuries that are work-related. It comes with a lot of coverage, including lost wages and medical care.

Workers Compensation Tampa

What is Workers' Comp Insurance?

Every business is vulnerable to accidents on the worksite, regardless of the industry they are a part of. Thankfully, Workers' Compensation insurance can offer important benefits that help employees and keep business owners protected, should a work-related illness or injury come about.

Workers' Comp Safeguards Your Company and its Employees by Covering:

  • Lost Wages in the event that an employee needs to take time off work due to an injury or illness.
  • Medical Expenses in order to care for and treat the employee’s injuries or illness.
  • Vocational Rehabilitation so that injured employees can get ongoing care for recovery’s sake, helping them return to work sooner.
  • Compliance with State Laws - you’ll be able to bypass penalties and fines that are imposed by your state for not carrying the right insurance coverage.
  • Fewer Expenses Paid Out-of-Pocket - OCMI’s affordable Pay-As-You-Go plans keep you safeguarded from expensive workplace illnesses or injuries.
  • Lawsuit Protection - will come in handy if you were to get sued by an employee. The business will not be harmed, as Worker’s Compensation insurance provides employer liability coverage.
  • Death benefits can be issued for the sake of covering funeral expenses if a member of your staff meets their end because of an incident at work.

Does My Company Need Workers' Comp?

Who Needs Workers' Comp Tampa?

Tampa-based businesses that employ people must carry this type of coverage. The Florida state law mandates organizations in Tampa that are part of the construction industry must have this type of coverage as soon as employee gets hired. Non-construction companies must have Workers' Compensation after a quartet of employees have been hired.

In some instances, you might be exempt from Workers' Comp. Tampa-based businesses must check with their state in order to determine if mandatory coverage is enforced.

Running a business without the appropriate insurance coverage will likely incur a civil penalty. If this happens, stop-work orders might be issued to your company, causing you to potentially cease operations. The only way to get things back up and running will be to pay all penalties and ensure that the business has adhered to all applicable laws.

If stop-work orders are not complied with, then criminal charges may be the consequence. With that said, you’ll be able to avoid penalties by remaining in compliance with state laws. Employees that receive benefits won’t be able to sue your business (or you) for lost wages or injuries sustained.

Keep Your Tampa Business Protected with OCMI Workers' Comp!

Tampa-based business owners are encouraged to have these things ready when requesting a quote:

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

Types of Workers’ Comp Insurance

How Is Workers' Compensation Calculated?

Florida happens to be a state that is "base-rated". As such, insurance rates come state-mandated. Each occupation will have a certain class code that is associated with the scope of work they’re in. The state will determine what percentage will be assigned to the code. Coverage will be calculated by multiplying your company’s gross payroll by your rates for Workers' Comp.

Our company provides simplified and affordable insurance programs for Workers' Compensation. Tampa-based company trust us to provide them with an instant quote for free when they need it, regardless of the amount of employees they have on payroll. Our experts will be happy to answer any questions you have. Stop your company from being susceptible to costly medical expenses, state penalties, and potential lawsuits. Get a FREE instant quote!

Affordable Workers' Comp in Tampa

In Tampa, FL, Workers' Comp is mandated by the state. There are exemptions, though, so it would do you well to consult your state in order to determine if mandatory coverage applies to your organization.

Not having Workers' Comp coverage can put your company in a precarious position. You could be vulnerable to lawsuits because of a workplace injury if one happens. The government could also penalize you 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 protects your business and your employees. As long as the insurance you have is in full compliance with state laws, employees that get benefits won’t be able to sue you if they sustain lost wages or injuries.

Why OCMI for Workers’ Comp Tampa?

Tampa businesses will receive high-quality Workers' Comp insurance without breaking the bank. We simplify the entire claims process and expedite it, too. Our customer service is unrivaled, as we go out of our way to make things stress-free for you. We are committed to helping those who run companies select coverage that adheres to all business and state requirements – but without any hassles or hefty costs. In short – we will make it possible to protect your business affordably and easily.

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' Compensation Tampa

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

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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