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We've developed Pay As You Go worker compensation programs that reduce or eliminate premium deposits and allow Florida employers to report and pay premium based on actual payroll wages. Reduce your audit risk.

We've negotiated special terms with many of our insurance partners to offer more flexible payment options like 12 equal installments plans and monthly reporting programs to help improve cash flow for our business owners.

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Florida Workmens Comp Experts Florida Owners and Officers Fast and Easy Workmans Compensation Need Help With Florida Class Codes?

State regulations regarding owners and officers' ability to include or exclude themselves from coverage can be cumbersome. Rules vary significantly between non-contractor and construction related risks. We'll help you navigate the laws and get the most affordable policy.

Insurance rates can vary significantly between NCCI classification codes. Let our FL Workers Compensation Specialists help you determine your correct workers compensation class codes before your buy a policy. We'll help make sure your business is properly covered.

Pay As You Go workers compensation quotes Faster Workers Comp Quotes Workers Compensation Companies in Florida Shop Over 35 Insurance Carriers

We make the process of getting workers compensation quotes fast and easy. We know your time is valuable. That's why we work harder to streamline the quote process, compare your rates and coverages, and present your best options as quickly as possible. We often have your insurance quotes ready in less than 24 hours.

We're a National Agency, and we have tons of carriers offering work comp in Florida. We have access to over 35 insurance companies with a diverse appetite and competitive rates. Our markets know we expect the lowest rates, bigger discounts, and more policy credits when we request a quote.

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Did you know that the cost of a workers comp policy in Florida can vary significantly between insurance company, underwriter, and insurance agency?

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Purchasing Workers Comp Insurance in Florida

2015 Florida Coverage Requirements

State workers compensation coverage requirements

Non-construction companies with four or more full or part-time employees are required to purchase workers compensation insurance in Florida. All construction related businesses are required to purchase coverage regardless of the number of employees unless the entity is permitted to file an owner exemption.

State workers compensation coverage requirements

Construction related companies are almost always required to have coverage. Sole-proprietors and partners are not allowed to be exempt from workers comp insurance. A corporation or an LLC may exempt up to 3 Officers if each Officer owns a minimum of 10% stock.

State workers compensation coverage requirements

Sole-Proprietors and Partners (non-construction) are not required to cover themselves on workers compensation and are automatically excluded. They can elect to be covered by filing form DWC-251. A Notice of Election Form WC1415 form must be filed with he state and insurance company.

State workers compensation coverage requirements

Corporate Officers (non-construction) can be exempt from coverage if they own stock and hold office on the Board of Directors.

State workers compensation coverage requirements

LLC Members (non-construction) are treated as employees automatically, but they may elect to be exempt from coverage.

2015 Payroll Requirements for Owners

State workers compensation coverage requirements

Sole-Proprietors and Partners included in coverage are required to utilize a minimum payroll of $43,000 (effective 01-01-2015).

State workers compensation coverage requirements

Executive Officers who are included in coverage must use a minimum payroll of $44,200 for premium rating (effective 01-01/2015). Officers in the construction industry must use a minimum of $20,800.

State workers compensation coverage requirements

LLC Members minimum payroll requirement is determined by how the LLC is established for tax purposes: sole-proprietor, partnership, or corporation. Contractors will all be treated as a corporation.


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At Workers Compensation Shop.com, we help Florida employers find the best deal on their workers comp coverage. We've got more than 35 insurance companies eager to provide competitive workers compensation insurance quotes for your Florida business.

Give us a call today at 888-611-7467 or get started online. We've already helped thousands of Florida employers buy more affordable coverage for their business.

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