Workers Compensation Florida

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Florida Workers Compensation at a Glance

  • State Workers' Compensation Requirements for Florida

  • Exceptions to Florida Workers' Compensation

  • Make sure employees understand their coverage

  • Keep your Florida Business compliant to avoid fines

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Frequently Asked Questions

Can I be exempted from workers compensation in Florida?

If you are a corporate officer or sole proprietor in a non-construction business in Florida, you can choose to exempt yourself from required Workers’ Compensation coverage. In most other cases, workers compensation coverage is required for all employees.

Do sole proprietors need Workers' Compensation insurance in Florida?

In Florida, a sole proprietor in a non-construction business is not considered to be an employee and therefore is exempt from coverage. However, you can choose optional Workers' Compensation coverage as an employee.

Where can you purchase Florida Workers' Compensation insurance?

CoverWallet can help you get required Workers' Compensation coverage as well as other essential insurance coverages. The Florida Workers' Compensation Joint Underwriting Association can also be an option. However, the FWCJUA limits its focus to Workers' Compensation coverage.

What will Workers' Compensation insurance pay for in Florida?

Workers' Compensation coverage in Florida provides several benefits for injured employees, including payment of medical expenses for doctor visits, surgery or hospital care, home nursing, and medications. If the employee qualifies, lost wages are often paid as well at a reduced rate. Rehabilitation is another offered benefit along with reemployment services if needed.

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References for Workers Compensation in Florida

Being a small business presents several challenges that may need more assistance. While CoverWallet provides you the best insurance, you can also consider these references to further support your small business:

Division of Workers' Compensation - Florida Department of Financial Services

200 East Gaines Street , Tallahassee, Florida, 32399
Mon through Fri from 8:00 AM to 5:00 PM
Visit the website

Miami District Office

100 S. Biscayne Blvd 7th Floor, Miami, FL, 33131
Mon through Fri from 8:00 AM to 4:30 PM
Visit the website

The content provided on this page is intended for general information purposes only and is not represented to be error free nor is it intended to constitute an offer, inducement, promise or contract of any kind for you to rely upon. The information and data linked to by CoverWallet are provided as a courtesy and are not intended to nor do they constitute an endorsement by CoverWallet of the linked materials. To get accurate information for your business and industry we recommend you to contact a licensed insurance agent or attorney.