Workers' Compensation
Medical care and lost wages when an employee is hurt on the job.
Apply for Workers' CompensationAbout 12 minutes
Workers' Compensation pays medical bills and replaces part of an injured employee's wages, regardless of fault. In Florida it is mandatory for most employers — construction businesses need it from the first employee, non-construction from the fourth. It also shields you from most injury lawsuits brought by your own staff.
What it covers
- Medical treatment for work-related injuries and illnesses
- Wage replacement while an employee cannot work
- Permanent disability and death benefits
- Employer's Liability, covering injury suits that fall outside the comp system
- Rehabilitation and return-to-work costs
What it does not cover
Stated plainly, because finding out at claim time is how people end up suing their broker.
- Injuries to independent contractors who carry their own coverage
- Self-inflicted injuries and those sustained while intoxicated
- Wrongful termination and harassment claims — that is Employment Practices Liability