Skip to content

If you are a business owner or contractor in the state of Florida, it’s important to be aware of the workers’ compensation system.

Here at OCMI Workers Comp, we want to provide you with all the information you need to make an informed decision about your coverage.

In this article, we will explain how workers’ comp works in Florida and answer some of the most commonly asked questions. So read on for more information!

What are the basics of workers comp in Florida?

Workers compensation in Florida is a workers comp program that provides benefits to employees who are injured at work or who contract an illness at work. The program is administered by the Florida Department of Financial Services, and it is overseen by the Workers Compensation Commission. 


In order to be eligible for workers compensation benefits, an employee must have been injured while performing their job, and they must have been employed by their employer for at least four weeks. 


Employees who are not eligible for workers compensation benefits include those who are self-employed, those who work for federal government agencies, and those who work in different states. If you are injured at work, you should notify your employer as soon as possible so that they can begin the claims process.

How do you file a workers comp claim?

If you’ve been injured at work, you may be wondering how to file a workers’ compensation claim

The first step is to notify your employer as soon as possible. Your employer should then provide you with the necessary paperwork to file a claim with the state workers’ compensation board. Once your claim has been filed, an administrator will review it and determine whether you are eligible for benefits. 

If your claim is approved, you will begin receiving benefits shortly thereafter. If you have any questions about the claims process, your employer should be able to provide you with more information.

What are the benefits of workers comp insurance?

The purpose of workers’ compensation is to provide benefits to employees who are injured or become ill as a result of their job. 

Workers’ compensation can cover medical expenses, income replacement, and death benefits. It can also help to cover the cost of retraining if an injury results in the employee no longer being able to do their job. 

In most cases, employers are required to have workers’ compensation insurance, which provides coverage for their employees. This can help to protect the employer from being sued by an employee who is injured at work. 

Workers’ compensation can also help to ensure that injured employees receive the medical treatment they need and that families are taken care of financially if an employee is killed on the job. 

As a result, it is a vital safety net for both employees and employers.

Are there any contractors or businesses that don't have to carry workers comp insurance in Florida?

In the state of Florida, there are a few contractors or businesses that are exempt from carrying workers’ compensation insurance. These include sole proprietors, partnerships, and certain corporate officers. 

There are also a few types of businesses that are automatically exempt, such as those that employ only domestic workers or agricultural laborers. In addition, religious organizations and government entities are not required to carry workers’ compensation insurance in Florida. 

Finally, businesses that have been in operation for less than a year may also be exempt from this requirement. However, it is always best to check with the state’s Department of Financial Services to be sure.

What are the penalties if you don't have workers comp insurance in Florida?

If an employer does not have workers’ compensation insurance, they may be subject to penalties, including fines and possible jail time. 

In addition, the employer may be liable for any medical expenses and lost wages incurred by the employee. As such, it is essential for employers to make sure that they are properly insured. 

Employees should also be aware of their rights and know what to do if they are injured on the job. By understanding the law, both employers and employees can help keep themselves safe and protected.

How OCMI can help with your workers' insurance coverage

So, if you’re looking for quality workers’ compensation coverage that’s affordable and easy to manage, OCMI is the perfect choice. Contact us today to get started!


For more information on our workers’ comp coverage or any of our other products and services, please click on the button below or give us a call at (800) 266-7362. We would be happy to answer any questions you have.