Workers' compensation insurance in Florida
Workers' compensation pays for medical care and part of lost wages when an employee is hurt on the job, and it's required for most Florida employers. We help contractors and businesses get covered and stay compliant.
What it can cover
- Medical care for work-related injuries and illnesses
- Part of an employee's lost wages while they recover
- Employer's liability
Good to know in Florida
- Construction: required with one or more employees, including owners who are corporate officers or LLC members.
- Non-construction: required with four or more employees, including corporate officers and LLC members.
- Agriculture: required with six regular employees, or twelve seasonal workers who work more than 30 days in a season.
- Some corporate officers and LLC members can apply to the Florida Division of Workers' Compensation for an exemption.
- The Division enforces these rules and can issue stop-work orders and penalties to employers without required coverage.
How Citadel Insurance Group helps
Tell us what you need
Call, chat or send a quote request. We'll ask a few questions about you and what you want to protect.
We compare insurance companies
As an independent agency, we compare coverage from several insurance companies and explain the differences in plain language.
We stay with you
After you buy, we help with policy changes, renewals and claims questions.
Questions and answers
Do I need workers' comp if I'm the only worker in my construction company?
If you're a corporate officer or LLC member, you count as an employee, but you may qualify for an exemption from the Florida Division of Workers' Compensation. We'll help you understand your options.
Do my subcontractors need their own coverage?
In construction, a contractor can be responsible for the employees of uninsured subcontractors, so many contractors ask subcontractors for proof of coverage or an exemption.
How is the premium calculated?
Mainly on your payroll and the type of work your employees do, plus your claims history. We'll gather that information with you for the quote.
Ready to compare?
A licensed agent will contact you, ask a few questions and compare options with you, in English or Spanish.
Other insurance we offer
- Auto insurance
- Home insurance
- Condo and renters insurance
- Flood insurance
- Boat insurance
- Business insurance
- Health insurance
- Life insurance
- Medicare plans
Descriptions on this page are general information, not a policy or a promise of coverage. Every policy is subject to the insurance company's underwriting, terms, conditions and exclusions. Not every product or company is available to every applicant.