Protect Your Team and Your Business—
Workers’ Compensation Insurance Florida
The Coverage That Protects Everyone—
And Keeps You Compliant
In Florida, most businesses with four or more employees (including corporate officers, unless exempt) must carry workers compensation insurance. For construction, even a single employee makes it mandatory. Workers comp covers medical bills, lost wages, and rehabilitation for job-related injuries or illnesses—plus liability protection for the employer. Proper Insurance Advisors helps businesses across Tallahassee and the Panhandle get the right policy to protect both their people and their bottom line.
What Does Workers Comp Insurance Cover?
Medical Expenses
Pays for doctor visits, hospital bills, rehab, and prescriptions for employees hurt on the job.
Lost Wages
Covers a portion of the employee’s salary while they recover from a work-related injury or illness.
Employer Liability
Protects your business from most injury lawsuits due to the “exclusive remedy” provision—employees typically can’t sue if they’re covered by workers comp.
Rehabilitation Services
Provides physical therapy or retraining so injured employees can return to work.
Who Needs Workers Comp in Florida?
Non-construction
Required for businesses with 4+ employees (including corporate officers unless properly exempted).
Construction
Required with just 1 employee (no exemption for corporate officers).
Sole proprietors and partnerships are generally exempt, but coverage can be added for extra protection.
We handle all the paperwork and filings, ensuring you’re always compliant—no matter how your team grows or changes.
Affordable Coverage—With Every Possible Discount
Workers comp premiums depend on your payroll size, industry risk (e.g., roofer vs. office admin), and claims history. We shop multiple carriers for the best rates and help you access cost-savers:
- Drug-free workplace credits
- Certified safety programs
- Experience modification review (for lower rates if you have a good safety record)
Don’t get stuck with the Florida state fund if you’re high-risk or new—we’ll find every available private market option.
From Office Teams to Construction Crews—
We Insure Florida’s Workforce
Whether you manage an office in Tallahassee, a restaurant in Destin, or a construction crew on the Gulf Coast, Proper Insurance Advisors understands your industry’s needs and compliance hurdles. Our agency will guide you step-by-step, so you can focus on your business, not regulations.
Workers Comp—Common Questions Answered
When is workers comp required in Florida for small businesses?
For non-construction, at 4+ employees (including officers). For construction, with 1 or more employees.
What does workers comp cover for employees?
Medical bills, lost wages, rehab, and more—plus employer liability protection for you.
How much does workers comp cost per employee?
Rates vary by job risk and payroll. We’ll shop the best options and secure discounts to keep costs manageable.
What happens if I don’t have required coverage?
Penalties can include heavy fines and business closure. We’ll ensure you’re never caught off guard.
Can you help if I’ve had past claims or am high-risk?
Yes—we work with state and private carriers to find coverage for new, growing, or high-risk businesses.
Stay Compliant, Protect Your Business—Get a Florida Workers Comp Quote Today
Don’t let a workplace injury jeopardize your business. Get fast, local guidance and affordable workers comp insurance with Proper Insurance Advisors.
