Florida Employer Coverage

Workers' Compensation Insurance in Florida

Workers comp insurance for Florida employers, from Fort Lauderdale to Broward County. We cover contractors and high-risk trades with the local expertise the law demands.

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Regulatory authority

Compliance corner

Florida mandates are precise. We make sure you're never out of step with the law.

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4+ Employees

Most Florida businesses with four or more employees (full-time or part-time) are legally required to carry Workers' Comp.

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Construction Industry

In construction, compliance starts with just one employee. The risk is higher, and the state oversight is stricter.

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Legal Liability

Failure to comply can result in "Stop Work" orders and fines exceeding $1,000 per day.

Coverage

Comprehensive protection

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Medical Expenses

Covers ER visits, surgeries, medications, and physical therapy without co-pays.

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Lost Wages

Replaces a portion of income while the employee recovers from work-related injuries.

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Employer Liability

Legal defense and settlements if an employee sues for negligence or non-statutory claims.

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Rehabilitation

Vocational retraining for employees unable to return to their original roles.

Why Florida businesses choose Premier

We aren't just brokers; we are risk architects in the Florida market. We specialize in complex, high-hazard, and heavy-exposure industries that others shy away from.

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    Multi-Carrier Access

    Relationships with 30+ top-rated carriers ensure competitive rates for high-risk trades.

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    Dividend-Paying Policies

    Earn money back for maintaining a safe workplace and low claim history.

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    Pay-As-You-Go Options

    Optimize cash flow with premiums based on actual real-time payroll data.

Safety & risk management

Your Experience Modifier (X-Mod) directly impacts your bottom line. We don't just sell policies; we help you lower your costs through active intervention:

On-Site Safety Audits

Identifying hazards before they become claims.

Claim Advocacy

Aggressive management to close claims faster and cheaper.

OSHA Compliance

Professional guidance on regulatory reporting.

Fraud Detection

Strict oversight to identify and combat frivolous claims.

FAQ

Critical intelligence (FAQs)

Who is required to have Workers' Comp in FL?expand_more
Any non-construction business with 4 or more employees. All construction businesses with 1 or more employees. Agricultural businesses with 6 regular or 12 seasonal employees.
What happens if a subcontractor doesn't have coverage?expand_more
The prime contractor becomes legally responsible for any injuries to the subcontractor's employees. Most insurance carriers will also charge the contractor an additional premium during audit for uninsured subs.
How are premiums calculated?expand_more
Premiums are based on your total payroll, the risk classification of your employees (Class Codes), and your Experience Modifier (X-Mod) which reflects your claim history.

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Our digital-first approach means faster binding and easier compliance.

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