COVERAGE DESIGNED FOR YOU

Yes, workers’ compensation insurance is required for most employers in Florida, with few exceptions.

In Florida, almost all employers with four or more employees, including full-time and part-time workers, are required to have workers’ compensation insurance. Construction industry employers must have coverage with at least one employee.

Workers’ compensation insurance provides coverage for medical expenses, rehabilitation costs, and a portion of lost wages for employees who suffer work-related injuries or illnesses.

If an employee is injured or becomes ill due to work-related factors, they should report the incident to their employer promptly. The employer must then initiate the claims process by notifying the workers’ compensation insurance carrier. The carrier will evaluate the claim and provide appropriate benefits if approved.

Yes, as an employer in Florida, you have the flexibility to select a private insurance company authorized to provide workers’ compensation coverage or opt for a self-insured program, subject to regulatory requirements.

Failure to carry the required workers’ compensation insurance in Florida can result in penalties, fines, stop-work orders, and potential legal liabilities for employers.

In addition, workers compensation does not cover injuries that occur outside of work, such as commuting to and from work or running errands for the company.

Furthermore, workers compensation does not cover injuries that are self-inflicted or caused by illegal activity.

Finally, workers compensation does not cover psychological injuries, such as stress or anxiety.

If you have any questions about what is covered by workers compensation, you should speak to your employer or an HR representative.