Workers' Compensation Jacksonville

Comprehensive, easy, and affordable coverage is available for your employees (and even your business)! Whether you are running an established brand or a start-up, all small businesses that employ people should consider getting Workers' Compensation insurance.

Workers' Comp coverage offers benefits to an employee who suffers an illness or work-related injury. Employees may be able to cover the cost of medical care - perhaps receiving wages for missed work time - through this type of coverage.

Workers Compensation Jacksonville

Workers' Compensation Insurance: What Is It?

Accidents happen, regardless of the type of company you are running. Thankfully, Workers' Compensation can provide you with benefits that can help you – as well as your staff – remain protected in case somebody gets sick or sustains an injury in the workplace.

Workers' Compensation Safeguards Your Employees and Business by Covering:

  • Medical Expenses in order to care for and treat a sick or injured employee.
  • Lost Wages to cover sick or injured employees as they take time off of work.
  • Vocational Rehabilitation for injured employees who need ongoing care in order to return to work, post-recovery.
  • State Law Compliance/Fees - you can bypass penalties and fines imposed by your state for lacking the relevant insurance coverage.
  • Reduce Out-of-Pocket Business Expenses - OCMI’s affordable Pay-As-You-Go plans keep you safeguarded from expensive workplace illnesses or injuries.
  • Lawsuit Protection - in case a member of your staff sues you. The business will be protected, as Workers' Compensation insurance comes with employer liability coverage.
  • Death benefits to cover potential funeral expenses if an employee were to die because of a workplace-related incident.

Workers' Compensation Coverage: Who Needs It?

Workers' Compensation Jacksonville

You must have Workers' Compensation insurance if there are employees on your payroll in Jacksonville, FL. As per Florida state law, organizations in Jacksonville that are part of the construction sector must have this type of coverage right after an employee gets hired. Non-construction companies must have Workers' Compensation after a quartet of employees have been hired.

In some cases, you might be exempt from requiring Workers' Compensation. Jacksonville business owners should check with their state in order to determine if mandatory coverage is enforced.

Running a business without the proper insurance coverage will place you at a very high risk of receiving a civil penalty. If this happens, your company may be subjected to stop-work orders. You will be forced to cease operation of the company until all penalties have been paid, and all processes are in full compliance with state laws.

If stop-work orders are not adhered to, criminal charges may ensue. Assuming that coverage is in full compliance with state laws, though, you’ll be able to bypass paying penalties. Employees that are getting benefits won’t be able to sue your company (or you) for lost wages or injuries.

Keep Your Business Protected with Workers' Compensation!

Jacksonville business owners should have the following information ready to get a quote:

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

Types of Workers’ Comp Insurance

Workers' Compensation: How Is It Calculated?

Because the state is "base-rated", insurance rates will be mandated. Each occupation has some sort of class code that is associated with the scope of work they perform. The state will determine what percentage will be assigned to this code. Coverage is calculated when your company’s gross payroll is multiplied by the Workers' Compensation rate.

OCMI provide simplified and affordable programs for Workers' Compensation. Jacksonville–based businesses of all types can be accommodated by our company, regardless of the amount of employees that you have. If you have any questions, we will be happy to answer them for you. Prevent your company from being vulnerable to costly medical expenses, potential lawsuits, or state penalties. Contact us now to get a FREE instant quote!

Get Affordable Workers' Comp in Jacksonville

In Jacksonville, Florida, Workers' Compensation insurance happens to be legally required. There are some exemptions involved, so it would do you well to consult your state in order to determine if coverage will be mandatory for the company you run.

Neglecting Workers' Compensation insurance will negatively impact your Jacksonville company financially. You may be subjected to a lawsuit if an injury were to happen at the workplace. You might even be penalized for not following the law.

Janitorial

$16.56 per emp

Tile Installation

$18.52 per emp

Pavers

$28.72 per emp

Carpet/Tile Install

$19.16 per emp

Child Day Care

$6.04 per emp

Excavation

$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

Hotels

$11.92 per emp

HVAC

$24.00 per emp

Iron/Steel Fab

$19.52 per emp

Masonry

$42.08 per emp

Painters

$38.92 per emp

Plumbers

$19.32 per emp

Road Construction

$35.60 per emp

Roofers

$67.92 per emp

Tree Trimming

$36.00 per emp

Farming

$22.52 per emp

Concrete Const.

$37.00 per emp

Plastering

$36.80 per emp

Staffing

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Workers' Compensation insurance keeps your business protected, as well as your employees. As such, if the insurance you have is in full compliance with all state laws, then an employee that receives benefits cannot sue you if they sustain an injury or are missing wages.

Why OCMI for Workers’ Comp Jacksonville?

Jacksonville-based businesses will receive affordable rates for coverage. We simplify the claims procedures and make them stress-free by way of unparalleled customer service. We are committed to helping people select the most suitable type of coverage. We can provide you with a plan that accommodates all requirements and adheres to state laws in a hassle-free way. We can make it much more affordable (and easier) to receive protection without extra costs.

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

Construction

Workers Comp Florida for Manufacturing Companies

Manufacturing

Workers Comp Florida for Hospitality Industry

Hospitality

Workers Comp Florida for Transporting Company

Transportation

Workers Comp Florida for Agricultural Company

Agriculture

Workers Comp Florida for Medical Company

Medical

Workers Comp for Landscaping Company

Landscaping

Workers Comp for Clerical Company

Clerical

FAQ's: Workers' Compensation Jacksonville

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