Workers’ Compensation Insurance in Florida — Protect Your Business and Your Team

In Florida, workers’ compensation insurance isn’t just a smart move — it’s legally required for most businesses. At FLORIDA WE INSURE AGENCY, we help employers secure the right workers’ comp coverage to protect both their people and their operations. We partner with 30+ top-rated carriers to find you compliant, affordable options tailored to your industry.

Tampa

Tampa’s mix of coastal homes, contractors, restaurants, and professional offices requires customized protection. Our policies are built for Gulf Coast weather and rapid growth.

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What Workers’ Compensation Insurance Covers

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Medical Expenses

Doctor visits, hospital bills, medications, and ongoing care following a workplace injury.

Lost Wages

Partial wage replacement while the employee recovers and is unable to work.

Disability Benefits

Payments for temporary or permanent disability resulting from a work-related injury.

Rehabilitation Services

Physical therapy and vocational rehabilitation to help injured employees return to work.

Death Benefits

Financial support to dependents if an employee dies due to a workplace incident.

Employer Liability Protection

Legal defense and settlements if you’re sued over a workplace injury (depending on your policy).

Who Needs Workers’ Compensation Insurance?

In Florida, most businesses are legally required to carry workers’ compensation insurance. If you operate in a non-construction industry and have four or more employees, or in construction with even just one employee, coverage is mandatory. The same goes for high-risk professions — including roofing, plumbing, electrical work, and landscaping — where any employee presence triggers the legal requirement.


Workers’ comp is essential protection for:

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Contractors

Plumbers, electricians, HVAC, roofing crews

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Retail & Hospitality

Restaurants, cafes, shops, and local service businesses

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Childcare & Daycare Providers

Where staff injury risks and compliance needs are high

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Pet Groomers, Gyms & Salons

Hands-on service businesses with physical labor exposure

Whether you run a small shop or manage a growing crew, workers’ comp coverage keeps your team protected and your business compliant.

Why Workers’ Compensation Insurance Matters

Accidents happen, even in the safest workplaces. Workers’ compensation insurance helps cover medical expenses, lost wages, and rehabilitation for employees who are injured or become ill on the job. It also protects employers from costly lawsuits related to workplace injuries.

Why Choose FLORIDA WE INSURE AGENCY?

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30+ Florida Carriers Compared

We shop both state fund and private market options to find competitive rates.

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Florida-Specific Compliance Expertise

We help you understand complex requirements and avoid penalties.

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Annual Policy Review

We reassess your policy annually to adjust for staffing or payroll changes.

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Free Legal Support for Disputed Claims

Our legal team advocates for you at no cost if a claim is delayed or denied.

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Dedicated Florida-Based Agents

Get answers fast from local experts who know your industry and your risks.

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Tampa

Tampa’s mix of coastal homes, contractors, restaurants, and professional offices requires customized protection. Our policies are built for Gulf Coast weather and rapid growth.

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Workers’ Compensation FAQs

  • Is workers’ comp required in Florida if I only hire subcontractors?

    Yes, especially in construction. You may still be responsible for coverage depending on how the subcontractor is classified. We’ll help you evaluate your situation.

  • How is my premium calculated?

    Premiums are based on your payroll, employee job classifications, claims history, and your industry’s risk level.

  • Can I exclude owners or officers from coverage?

    Yes — in many cases, owners and corporate officers can file for an exemption. We’ll walk you through the paperwork.

  • What happens if I don’t have coverage and an employee is injured?

    You may face steep fines, lawsuits, and even criminal charges. It’s critical to stay compliant.

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Service areas

Areas We Serve — Workers’ Comp Coverage Across Florida

We serve businesses statewide, including:

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Workers’ Comp Insurance in St. Augustine, FL

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Workers’ Comp Insurance in Jacksonville, FL

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Workers’ Comp Insurance in Tampa, FL

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Workers’ Comp Insurance in Sarasota, FL

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Workers’ Comp Insurance Across Florida

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Let’s Protect Your Team and Your Business

Get the coverage you need to stay compliant and give your team peace of mind. We’ll help you find the right policy, at the right price.