Workers' Comp West Palm Beach

Affordable, simple, and comprehensive insurance is available for both your staff and your business. It doesn’t matter if you’ve been in business for years or you are launching a brand-new start-up; if any employees are part of your organization, Workers’ Compensation is something you need to take seriously.

This type of coverage offers benefits for staff when they sustain work-related illnesses or injuries. Employees may receive wages for missed work time, medical care compensation, and much more.

Workers Compensation West Palm Beach, FL

What is Workers' Comp Insurance?

Accidents happen, regardless of how careful you run your company. Thankfully, vital benefits are available for your employees and your business. Everyone involved will receive protection if a job-related illness or injury were to ensue thanks to Workers’ Compensation.

Workers’ Compensation Insurance covers the following:

  • Missed Wages to cover ill or injured workers as they take time off work.
  • Medical Expenses to care for and treat ill and injured workers.
  • Vocational Rehabilitation for injured employees who need regular care in order to help facilitate recovery.
  • Compliance with State Laws helps you avoid penalties and fines imposed by Florida’s government. If your employees do not have the right insurance coverage, you will be penalized for it.
  • Minimize Out-of-Pocket Expenses - OCMI’s affordable Pay-As-You-Go plans keep you safeguarded from expensive workplace illnesses or injuries.
  • Lawsuit Protection in the event that an employee tries to sue you. Employer liability coverage is included with this type of insurance.
  • Death benefits to cover funeral expenses if one of your employees passes away because of something work-related.

Who Should Get Workers’ Compensation?

Who Needs Workers Comp?

West Palm Beach businesses should have this type of insurance if employees are on their payroll. As per Florida state law, companies in the construction sector must have coverage right after hiring an employee. Non-construction companies also need to have it once at least four employees are hired.

In some cases, you might be exempt from the need to carry Workers’ Compensation. West Palm Beach business owners should consult state representatives to determine if such coverage will be mandatory.

Running a business without the proper coverage could result in a civil penalty. When this happens, stop-work orders could be imposed on the company. You’ll be forced to cease operations until the organization is in full compliance with Florida law. Also, any outstanding penalties must be paid up in full.

Failure to comply with stop-work orders could lead to various criminal charges. To avoid such hassles, make sure the coverage you get abides by state laws. This will also prevent employees from suing you for lost wages or injuries – staff cannot take legal action if they choose to receive benefits.

Protect Your West Palm Beach Business with OCMI Workers' Comp!

West Palm Beach-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?

West Palm Beach companies have class codes assigned to them associated with whatever their work scope is. The state of Florida establishes the percentage that is assigned to your code. To calculate Workers’ Compensation, the gross payroll is multiplied by the insurance rate. Since Florida happens to be a state with a base rate, insurance rates initially are state-mandated.

OCMI Workers' Comp provides simple and affordable Workers’ Compensation programs to companies, regardless of the amount of employees on their payroll. We’ll answer any questions that you have so you can get started. Stop your company from being vulnerable to a state penalty, potential lawsuits, or costly medical bills. Receive a FREE instant quote today!

Affordable Workers' Comp in West Palm Beach

In Florida, Workers’ Compensation is mandated by the state. There are some exceptions, so it would do you well to inquire about your business meeting the exception criteria. Consult a state rep to get the answer.

If you decide to not get Workers’ Compensation, you will be putting your company at a very high risk, financially speaking. You might be sued for a workplace injury and fined 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

Call for Rates



Workers’ Compensation will provide your business and your staff with protection. As long as the insurance you get is in full compliance with Florida law, employees that get benefits will not be able to take you to court for lost wages or injuries they sustained on the job.

Why OCMI for Workers’ Comp in West Palm Beach?

West Palm Beach-based businesses will receive quality insurance products inexpensively. We will expedite the entire claims process and make it smooth for you. OCMI Workers' Comp prides itself on helping those who run a business get Workers’ Compensation that fulfills all business and state requirements, sans the hassles and extra costs. In short, we can make it affordable and easy to obtain protection.

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' Comp West Palm Beach

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