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Takes 2–3 minutes · 150+ carriers · Florida's agency since 1966
Florida law requires workers' compensation for most employers — and for construction businesses the threshold is just one employee. Workers' comp pays medical bills and lost wages for job-related injuries and shields you from injury lawsuits. We help you classify payroll correctly and shop competitive carriers so you're not overpaying on your experience mod.
Construction businesses with one or more employees, non-construction with four or more, and most agricultural employers above state thresholds.
Owners can often file for an exemption, but many choose to be covered. We'll walk through the trade-offs.
Premium is calculated on your actual payroll each period instead of an upfront estimate, improving cash flow and reducing audit surprises.