Workers’ Compensation Insurance in Florida: Protect Your Employees and Your Business

At Absolute Insurance, we know your employees are your greatest asset. Providing a safe work environment is a priority, but accidents can happen. That’s why having the right workers’ compensation insurance is not just essential—it’s required by Florida law for many businesses. We’re here to help you navigate the complexities of coverage and keep your business compliant while protecting your team.

What is Workers’ Compensation Insurance?

Workers’ compensation insurance provides financial protection for your business and employees when work-related injuries or illnesses occur. It covers:

• Medical Expenses: Treatment costs for job-related injuries or illnesses.
• Lost Wages: A portion of income for employees unable to work due to injury.
• Rehabilitation Costs: Therapy or training to help employees return to work.
• Death Benefits: Financial support for families in the case of a workplace fatality.

With workers’ compensation, you safeguard your employees and ensure your business remains protected against costly lawsuits or penalties.

Florida Workers’ Compensation Requirements

In Florida, most businesses are required to carry workers’ compensation insurance. Key requirements include:

1. Construction Businesses:

   • Must have coverage if they employ one or more workers.

2. Non-Construction Businesses:

   • Required to carry coverage if they employ four or more employees, including part-time and full-time workers.

3. Agricultural Businesses:

   • Must provide coverage if they have six or more regular employees or 12 seasonal workers who work more than 30 days in a season.

Failure to comply can result in severe fines, penalties, and even business shutdowns.

Why Choose Absolute Insurance for Workers’ Compensation?

At Absolute Insurance, we simplify workers’ compensation for Florida businesses with:

• Customized Policies: Coverage tailored to your industry and specific needs.
• Affordable Rates: Competitive premiums that fit your budget.
• Expert Guidance: Knowledgeable agents who understand Florida regulations and ensure compliance.
• Fast Claims Processing: Quick and efficient claims management to support your employees when they need it most.

Benefits of Workers’ Compensation for Your Business

1. Legal Compliance: Avoid penalties and legal action by meeting Florida’s requirements.
2. Employee Retention: Show your team you value their safety and well-being.
3. Financial Protection: Safeguard your business from costly medical and legal expenses.

Get Started with Absolute Insurance

Protect your employees and your business with reliable workers’ compensation insurance from Absolute Insurance. We’re here to help you find the right coverage so you can focus on growing your business.

Contact us today for a free consultation or quote!