Workers’ Comp Florida

Easy, affordable, comprehensive coverage for your Florida based business and employees. From start-up to established brand – every small business that has employees should consider having Workers’ Comp Insurance.

Workers' Comp coverage provides benefits to employees for work-related injuries or illnesses including medical care, wages from lost work time, and more.

Workers Compensation Florida

What is Workers’ Comp Insurance?

Accidents can occur, no matter what type of business you may run. Fortunately, Florida Workers’ Comp provides critical benefits to help you and your employees stay protected in the event of work-related injuries or illness.

Workers’ Comp Protects Your Business and Your Employees by Covering:

  • Lost Wages for your injured or ill worker while they are off work.
  • Medical Expenses to treat and care for your injured or ill worker.
  • Vocational Rehabilitation if the injured employee is in need of ongoing care to help them recover and get back to work.
  • Maintain Compliance with State Laws - You can avoid fines and other penalties imposed by the state of Florida for not having proper insurance coverage for your employees.
  • Less High Out-of-Pocket Business Expenses - With OCMI’s affordable, Pay-As-You-Go plans, you’re protected from the high costs of workplace injuries or illnesses.
  • Protection From Lawsuits - If an employee should sue you, your business is protected because workers’ comp insurance includes employer liability coverage.
  • Death Benefits can be used to cover funeral costs, in case an employee happens to pass away due to a work-related incident.

Who needs Workers’ Comp Insurance in Florida?

Workers' Comp Florida

It’s recommended that you carry Workers’ Comp if you have any employees. According to Florida state law, any company based under the construction industry category is required to have Workers' Comp coverage as soon as one employee is hired. And any non-construction company must carry Florida Workers’ Comp as soon as they have four or more employees.

There are some instances where you may be Workers' Comp exempt. You may check with the state to find out if coverage is mandatory for your business.

Operating without the required Workers’ Comp insurance coverage puts you at high risk for civil penalties. This means you or your business could be subject to a stop-work order that requires you to cease all operations until your business complies with the law AND all penalties are paid.

If you don’t comply with a stop-work order, the action could result in criminal charges. But as long as your coverage is compliant with the states’ laws, you can avoid any penalties and your employees who receive benefits can’t sue you or your business for their injuries or lost wages.

Protect Your Business Today With Florida Workers’ Comp Insurance!

To get an instant quote please have the following information ready:

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

Types of Workers’ Comp Insurance

How is Workers’ Comp Calculated in Florida?

Florida is a "base rate" state, which means the initial insurance rates are mandated by the state. Every occupation has a class code associated with their scope of work and the state determines the percentage assigned to that code. Workers' Comp is calculated by taking your gross payroll, multiplied by your Workers' Comp rate(s).

OCMI offers affordable, simplified Florida Workers’ Comp insurance programs, no matter how many employees you have. We’re here to answer all your questions and help you get started. Don’t leave your business vulnerable to state penalties, high medical expenses or potential lawsuits - contact us today for a FREE instant quote!

Affordable Workers' Comp for Florida Businesses

Workers’ Compensation insurance is required by law in the state of Florida. Some worker exemptions exist, so you’ll want to check with your state to find out if coverage is mandatory for your business.

Choosing to forgo Workers’ Comp coverage puts your business at high financial risk. Not only can you face a lawsuit for workplace injuries, but you’ll likely be fined for breaking 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

Keep in mind, Workers’ Comp insurance protects not only your employees, but your small business too. For example, if your insurance is compliant with state law, an employee who receives benefits can’t sue you for their injuries or lost wages.

Why OCMI for Florida Workers’ Comp Insurance?

We offer top-rated insurance products at affordable rates. We also make the claims process fast and stress-free with unrivaled customer service. OCMI is dedicated to helping business owners choose the right Florida Workers’ Compensation to fulfill state and business requirements without extra costs and hassles. We make it easy and affordable to get protected.

OCMI Workers Comp
  • 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
Workers Comp Florida 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


Florida Workers' Comp FAQ's

Below you will find answers to the most commonly asked questions about Florida Workers' Compensation Insurance.

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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