Buying workers' compensation in Florida

Who needs to be covered by the policy, where you can buy it and how much it will cost are all mandated or influenced by state law. Your business must comply with the states where your employees perform work - not necessarily where the business was founded or is based. If your business operates in multiple states, or employees travel across state lines to work, you may need to modify your policy to guarantee coverage in the event of a claim.



Here's what you need to get started

To buy workers' compensation insurance, you need to request a quote from a licensed insurance agent and provide some details about your business.
Here's what to have in front of you:
  • Number of employees in each class code
  • Total payroll for all employees You may be able to exclude yourself if you don't wish to be covered under the policy.
    Learn more about this >>
  • Federal ID Number If you are a sole proprietor, you can use your Social Security Number
  • Copy of your workers' comp insurance policy, if you've had coverage or claims in the past few years If you know your company's experience mod, please have your experience mod rating sheet or policy in front of you. Otherwise, you will be assigned a default rating of 1.0.


  • You are required to carry workers' compensation insurance in Florida if: 
    • You have four or more employees working in Florida. What to do if your employees work out-of-state >> 
    • You are in the construction industry and have at least one employee (including yourself), you are required to carry workers' compensation coverage. 
    •  You’re going to work for someone else. Unless you’re an employee, you won’t be covered by their insurance policy and may need to provide proof of work comp. Are you an employee or an independent contractor? 10 ways to tell >> 
  • Other regulations that may affect you: 
    • Florida is a base rate state, which means insurance rates are mandated by the state.
    • Workers' compensation insurance covers wage replacement and medical bills for employees injured on the job. To protect against other injuries at your place of business, you may need general liability insurance. Learn more about general liability >>


  • Florida has a private market, meaning that you can purchase workers' compensation insurance from any private insurance carrier or agency that is licensed to write in that state. WorkCompOne can write workers' compensation policies in any U.S. state except those that practice state-run workers' compensation (Ohio, Washington, North Dakota and Wyoming). Get started on a policy with WorkCompOne >> 
  •  If you’re still having trouble, you can contact the Florida Workers’ Compensation Joint Underwriting Association, which will help you find coverage.


  • You are a sole proprietor or partner: In Florida, you are excluded from coverage but have the option to be included. Sole proprietors and partners in the construction industry must be covered by a workers’ compensation policy. 
  • You are a corporate officer or member of an LLC: Florida includes you in coverage, but you have the option to include yourself.  
  • You are a corporate officer or member of an LLC in the construction industry: Up to three officers can opt out of coverage if each owns at least 10% of the business.

The information on this page has been interpreted and summarized for your convenience. Please consult your state's governing authority for the most current and complete legislation.