Florida law requires most employers to carry workers comp. Our AI matches your business class codes to the best carriers for fast, affordable coverage.
Get a Free QuoteCovers medical treatment and rehabilitation for work-related injuries and illnesses.
Replaces a portion of wages while employees recover from workplace injuries.
Protects your business from lawsuits related to workplace injuries.
Provides financial support to families of employees who die from work injuries.
Yes — most Florida employers with 4+ employees (1+ in construction) must carry workers compensation insurance. Non-compliance results in stop-work orders and penalties.
Rates are based on class codes, payroll, and your experience modification rate (EMR). Office workers may pay $0.20 per $100 of payroll; construction workers may pay $5-15+ per $100.
Your EMR compares your claims history to similar businesses. An EMR below 1.0 means fewer claims than average (lower rates). Our AI analyzes your EMR and finds carriers that reward good safety records.