What workers' compensation covers
- Medical expenses — treatment, hospital stays, and rehabilitation.
- Lost wages — partial income replacement while an employee recovers.
- Disability benefits — for temporary or permanent impairments.
- Death benefits — support for families in the worst-case scenario.
- Employer liability — protection if an injured employee sues.
Florida workers' comp requirements
Florida law has specific thresholds. In most industries, businesses with four or more employees (full- or part-time) must carry workers' compensation. In the construction industry, coverage is required with just one employee — including many business owners themselves. The rules are strict, and misclassifying workers or going without coverage can trigger stop-work orders and fines of up to twice what you would have paid in premiums.
How much does it cost?
Rates are based on your payroll, your industry's risk classification codes, and your claims history. A low-risk office will pay far less per $100 of payroll than a roofing crew. As an independent agency, Erwin shops multiple carriers to find the best rate for your specific class codes — and we help you classify employees correctly so you're never overpaying.
Why Middleburg employers trust Erwin
We know Florida's workers' comp system inside and out. From getting you compliant quickly to helping you manage claims and audits, we're a local partner you can actually reach by phone. Workers' comp works hand-in-hand with general liability and other business coverage — ask us about bundling for simpler management and potential savings.
Frequently asked questions
- How many employees before workers' comp is required in Florida?
- Four or more employees in most industries; just one employee in the construction industry.
- Are business owners covered by workers' compensation?
- Owners can often exempt themselves or opt in. Rules vary by industry and business entity type.
- What happens if I don't carry workers' comp in Florida?
- Florida can issue stop-work orders and fines up to twice the premium you would have paid.