Florida Workers' Compensation Insurance

AmTrust is an industry leader in workers’ compensation for Florida small businesses. Connect with an AmTrust-appointed agent to get a quote.

Choose AmTrust for Workers' Compensation Coverage in Florida

Workers' compensation insurance protects your most valuable asset – your workforce. Should an employee suffer job-related injuries or accidents, workers' comp covers the cost of medical expenses, lost wages and retraining costs or compensation for permanent disability.

As the third largest workers’ compensation carrier in the United States, AmTrust can design the specific packages small and mid-sized businesses need to comply and succeed.

Is Workers’ Compensation Mandatory in Florida?

If a small business has four or more employees who work either full-time or part-time, the state of Florida requires employers to provide workers' compensation coverage for injuries that may occur due to work-related activities.

Businesses in the construction industry must have coverage for every employee. Likewise, agricultural businesses with six or more regular employees and/or 12 or more seasonal employees who work more than 30 days must carry workers’ comp coverage.

Primary contractors are responsible for ensuring that any sub-contractors provide workers’ compensation coverage for their workers.

Should an out-of-state employer hire workers in Florida, they must notify their carrier that they have Florida employees and carry Florida workers’ compensation coverage. Or, the out-of-state policy they have should include Florida.

Common Workers’ Compensation Claims in Florida

  • Slips, trips and falls
  • Physical overexertion
  • Lacerations
  • Burns
  • Striking against or being struck by an object

Reduce Workers’ Compensation Claims with Loss Control Services from AmTrust

AmTrust’s Loss Control Department specializes in risk management solutions to help prevent injuries and improve employee safety. We take a proactive approach to reducing workplace injuries by offering robust employee training and consultant services to identify the specific risks each individual business may face. 

From onsite or virtual in-depth risk assessments to our extensive collection of safety and risk management resources, AmTrust Loss Control can help identify common hazards that can lead to costly business losses and connect employers to solutions to help prevent or minimize them.

How Much Does Workers' Compensation in Florida Cost?

The cost of workers’ compensation for Florida small businesses depends on several factors. The size and location of the company, the specific industry, coverage limits and the various risks facing the employees all have an impact on the cost of coverage. 

Additionally, businesses with safe workplaces could see an
experience modifier, the connection between their workplace injury loss and workers’ comp costs, that is better than average. Insurance companies use experience modifiers to help determine workers’ compensation premium costs, and companies with lower risk will generally have a lower premium.

To get a quote, connect with an AmTrust-appointed agent today.

Workers’ Compensation Resources for Florida Small Business Owners

AmTrust is here to help small businesses in Florida with a variety of workers’ compensation resources to help protect the company and keep employees safe.

More Helpful Links for Florida Small Business Owners