Workers’ Compensation Florida

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Workers’ Comp Florida

Your workers’ compensation insurance gives benefits to your employees that have a job-related injury or illness. These benefits can help pay for:
  • Lost wages
  • Medical expenses
  • Funeral costs
  • Legal fees
workers’ compensation florida To learn more about benefits like covered medical treatments, you can get a workers’ compensation quote today.

Who Needs Workers’ Compensation in Florida?

Florida workers’ compensation law says that most businesses with four or more employees need workers’ comp coverage. However, your industry, size and type of employees does impact the specific coverage you need.1
Some industries that need a workers’ comp policy include:
Construction companies with at least one employee. Keep in mind that corporate officers or limited liability company (LLC) members also count as employees.**
Workers’ Comp Florida Non-construction businesses with at least four workers. This includes business owners who are corporate officers or LLC members.**
Agricultural companies with at least six employees. Coverage is also needed if there are 12 temporary employees who work more than 30 days during a season, but no more than a total of 45 days in a calendar year.**
Out-of-state employers with workers in Florida need a workers’ comp policy with an approved insurance carrier.**
Contractors need to make sure they have workers’ compensation for self-employed or independent contractors at the start of a project in the state.**
Florida’s Division of Workers’ Compensation within the Department of Financial Services can give you more details on the state’s requirements.

Florida Workers’ Comp Exemption

Florida Workers’ Comp Exemption There are a few Florida workers’ compensation exemptions for companies and employees who may not need coverage. For instance, sole proprietors and partnerships can go without workers’ comp coverage by filing for a certificate of election to be exempt. However, these businesses can still buy a policy by filing for election of coverage with The Division of Workers’ Compensation.
Some other workers’ compensation exemptions include:2
Corporations outside of the construction industry must register with the Florida Department of State Division of Corporations. An officer of the company will need to apply for an exemption from workers’ compensation.
Limited liability companies (LLCs) outside of the construction industry must register with the Florida Department of State Division of Corporations. The applicant must have at least a 10% ownership of the LLC, and there can’t be more than 10 members be exempt.
For businesses in the construction industry, the eligibility for exemption is different.3
Corporations and LLCs in the construction industry must register with the Florida Department of State Division of Corporations.
  • An officer of the corporation or LLC member with at least 10% ownership will need to apply.
  • No more than three officers or members can be exempt.
  • There is a $50 application fee. 
Florida’s Division of Workers’ Compensation has more details on these exemptions.

How Does Workers’ Compensation Work in Florida?

Florida Workers’ Compensation Exemption If your employees have a job-related injury or illness, your workers’ compensation insurance can help pay for important benefits like medical expenses. This includes care for repetitive stress injuries, and ongoing treatments, like physical therapy.
This coverage also helps replace lost wages if you have injured workers who need time off to recover from a work-related injury or illness. It can also help cover a permanent disability that keeps your employee from returning to work. It’ll even help cover funeral costs if a job-related accident causes the death of an employee.

Florida Workers’ Compensation Laws

Florida Workers’ Compensation Law The Division of Workers’ Compensation in Florida helps ensure businesses have the resources for workers’ comp programs. They’re able to help injured workers’, employers, health care providers and insurers follow Florida laws. They can help you find out:
  • If you need Florida workers’ compensation coverage
  • When injured or sick employees can receive benefits
  • How much to pay workers’ comp attorneys

How Much Is Workers’ Comp in Florida?

The cost of workman’s comp insurance is calculated per $100 of payroll with this formula:
Workers’ Classification Code Rate X Experience Modification Number X (Payroll/$100) = Premium***
Your state determines your classification code depending on the type of work your employees do. Your state will also decide your experience modification number by comparing your company to others in your industry.
To learn more, contact your insurance company or get a workers’ compensation quote from us today.

Florida Workers’ Compensation Claims

If you need to file a claim in your state, visit our workers' comp claims page.
** Workers’ compensation requirements as of January 2019.
*** The simplified workers’ compensation premium calculation is for reference purposes only. Actual premium calculations can be more complex. Experience mods are subject to state requirements and do not apply to every policy.
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Property and Casualty Insurance Company of Hartford, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In Arizona, New Hampshire, Washington and California, the insurance is underwritten by Hartford Accident and Indemnity Company, Hartford Casualty Insurance Company, Hartford Fire Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Hartford Lloyd’s Insurance Company, Hartford Underwriters Insurance Company, Maxum Casualty Insurance Company, Maxum Indemnity Company, Navigators Insurance Company, Navigators Specialty Insurance Company, Pacific Insurance Company, Property and Casualty Insurance Company of Hartford, Sentinel Insurance Company, Ltd., Trumbull Insurance Company and Twin City Fire Insurance Company. The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including Hartford Fire Insurance Company.
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