When the workday goes wrong, your crew is covered.

Medical costs and lost wages, handled.

Prefer to talk? (305) 220-7940

Florida requires workers' compensation for many businesses, and the threshold depends on your industry and your headcount. Ask us what applies to yours.

Two workers in hard hats at a construction site

What it covers.

Workers' comp steps in when someone on your team is hurt doing their job, taking care of them and protecting the business at the same time.

Medical costs

Helps pay for the treatment an employee needs after a work-related injury.

Lost wages

Helps replace part of an injured employee's income while they're unable to work.

Peace of mind for the business

Coverage in place means a workplace injury is handled the right way, for your employee and for you.

Flames in a busy commercial kitchen

Does Florida require it for you?

Florida requires workers' compensation for many businesses, and whether it applies to yours depends on your industry and how many people you employ. Construction has its own rules, and the details land differently for a crew than for a restaurant or small office.

This comes up a lot with Florida's construction and hospitality businesses, where crews and staff grow quickly and requirements can change as you add people. We'll help you confirm exactly what applies to yours before you're caught off guard.

Get a free business quote

Carriers we quote.

This is the advantage of an independent agency: one quote request here puts multiple Florida carriers to work competing for you. No reason to spend your evening filling out forms site by site — comparing them is literally our job. The list changes as the Florida market changes; ask us for the current one.

How it works.

Tell us about your team

Two minutes online, or call the office, and tell us what your business does and how many people you employ.

We shop the carriers

We help confirm what Florida requires for your business and quote your coverage across multiple Florida insurers.

You're covered

Pick your policy and we handle the paperwork, and we're still here at renewal, audit, and claim time.

Workers' comp questions.

Does Florida require workers' comp for my business?

It requires it for many businesses, depending on your industry and headcount. Construction has its own rules. We'll help you confirm exactly what applies to yours.

What does workers' comp actually cover?

Medical costs and lost wages when an employee is hurt on the job, so a workplace injury is handled the right way for your employee and for you.

I run a restaurant, not a construction crew. Do I still need it?

Maybe. The rules land differently by industry and headcount, and hospitality businesses grow fast. Tell us about your team and we'll walk you through what applies.

Take care of your team.

Two minutes online, or one call to the office. The right workers' comp coverage, since 1994.

Get a free business quote