Employee Classifications
Employee duties are organized by the work actually performed so available markets can review appropriate class codes.
Workers’ Compensation Insurance in Florida
Protect Your Employees—and Keep Your Business Prepared.
We help eligible Florida employers pursue competitive Workers’ Compensation options based on their people, payroll and operations, with practical guidance from application through audit.
Serving eligible Florida businesses · English & Spanish
Clear, practical guidance
Accurate details lead to a stronger submission
- Employee duties and class-code review
- Payroll, ownership and exemption details
- Claims and experience-history considerations
- Audit preparation and bilingual support
Coverage built around your workforce
Your payroll is only part of the Workers’ Compensation picture
Two businesses with similar payroll can have very different exposures. We review what employees actually do, where they work, who owns the company, whether subcontractors are used, and the business’s prior coverage and claim history.
Complete information helps us approach appropriate available markets, pursue competitive options and reduce avoidable classification or audit issues later.
Businesses we commonly assist
Eligibility and pricing vary by insurer, employee duties, payroll, locations, ownership, claims and coverage history.
What we help you organize
A clearer application from the beginning
Accurate classifications, payroll and ownership information help insurers evaluate the operation and may reduce preventable issues after coverage begins.
Estimated Payroll
Projected payroll is separated by employee duties and locations using the information provided for the policy period.
Ownership & Exemptions
Corporate officers, LLC members and any Florida exemption documentation are reviewed for the application.
Claims History
Prior loss runs, claim details and experience modification are gathered when required by available insurers.
Employers Liability
We help review available Employers Liability limits commonly included with a Workers’ Compensation policy.
Audit Preparation
We explain the importance of payroll, employee-duty and subcontractor records for the insurer’s final premium audit.
What shapes eligibility and premium
Employee duties matter as much as total payroll
Workers’ Compensation pricing begins with estimated exposures, but the policy may be audited using actual payroll and operations. Accurate records and prompt updates help keep the policy aligned with the business.
- Employee duties, locations and payroll by classification
- Ownership, officer inclusion or exclusion, and valid exemptions
- Subcontractor use and certificates or exemption records
- Prior policies, loss runs, claims and experience modification
A practical quote process
Start with your people, payroll and operations
Our short request gathers the basics. We then contact you for the details and documents required by appropriate available Workers’ Compensation markets.
- 01
Describe the workforce
Share employee duties, payroll, locations, ownership, subcontractors and the work your business performs.
- 02
Organize the submission
We gather prior coverage, loss runs, experience information and supporting documents required by available markets.
- 03
Review eligible options
We explain available pricing, payment terms, classifications, limits and important conditions before you decide.
Workers’ Compensation FAQ
Answers for Florida employers
When is Workers’ Compensation insurance required in Florida?
Florida requirements depend on the employer’s industry, number of employees and other circumstances. Construction and non-construction businesses may be subject to different thresholds. Because requirements can change and exceptions may apply, employers should confirm their obligations with the appropriate state authority or qualified professional.
Does an owner’s exemption replace Workers’ Compensation coverage for employees?
No. An exemption generally applies only to the qualifying officer or member named in the exemption. It does not automatically remove an employer’s responsibility for other employees, and it is not an insurance policy.
What does Workers’ Compensation commonly provide?
Subject to Florida law and policy terms, Workers’ Compensation may provide eligible medical and wage-replacement benefits for employees with covered work-related injuries or illnesses. Employers Liability coverage is also commonly included, subject to its limits and exclusions.
How are Workers’ Compensation premiums calculated?
Premium is generally based on employee job classifications, estimated payroll, rates, experience modification when applicable, and other underwriting factors. The insurer may audit actual payroll and operations after the policy period.
What is a Workers’ Compensation premium audit?
An audit compares the payroll, employee duties, subcontractor information and other exposure used for the policy with actual figures. The final premium may increase or decrease. Keeping payroll and subcontractor records organized can make the process easier.
Are subcontractors automatically covered by my policy?
Not necessarily. A subcontractor’s status, work, insurance and documentation can affect eligibility, claims and premium audits. Employers should obtain and retain valid certificates and exemption documentation where applicable, but those documents do not change the policy’s terms.
What information is needed for a Workers’ Compensation quote?
We typically need the legal business name, ownership, locations, employee duties, estimated payroll by job classification, prior coverage, loss runs, experience modification and subcontractor details. Requirements vary by insurer and operation.
What should I do when an employee reports a work injury?
Report the incident promptly according to the insurer’s instructions, document the known facts and provide the employee with the required claim information. Do not promise coverage or benefits; the insurer will investigate the claim under the policy and applicable law.
Workers’ Compensation quote