Workers’ Compensation Insurance
Florida Workers’ Comp—Compliance, Protection, and Real Support
If you hire employees, Florida law requires workers’ compensation insurance—and the right policy is essential for jobsite safety, legal compliance, and business growth. At LIG Specialty Insurance, we specialize in guiding contractors, trades, and local businesses through Florida’s complex workers’ comp rules, helping you stay protected and ready for every project.
As a boutique, family-run agency, we deliver fast certificates, hands-on help with claims, and proactive advice—so your team stays covered and your business runs smoothly.
What Does Workers’ Compensation Insurance Cover?
Medical Expenses
Pays for medical care and rehabilitation if your employee is injured or gets sick on the job.
Lost Wages
Replaces a portion of an employee’s wages while they recover from a workplace injury or illness.
Disability Benefits
Covers temporary or permanent disability related to workplace injuries.
Employer Liability
Provides legal protection if you’re sued over a workplace injury or illness.
Death Benefits
Helps support families if a workplace accident is fatal.
Every workers’ comp policy is tailored to your business size, trade, and payroll—no one-size-fits-all solutions.
Who Needs Workers’ Compensation in Florida?
Workers’ comp is required for:
- Construction businesses with one or more employees (including owners)
- Non-construction businesses with four or more employees (including owners)
- Contractors and subcontractors—proof is required for permits, contracts, and jobsite entry
- Business owners who want to protect their team, reputation, and bottom line
If you use subcontractors or 1099 workers, you may still be responsible for their coverage under Florida law. LIG explains your obligations and keeps your documentation up-to-date.
Florida-Specific Considerations
- Strict Compliance: Florida enforces workers’ comp rules aggressively—penalties for non-compliance can be severe.
- Fast Certificates Needed: Many contracts require same-day proof of coverage for jobsite access or inspections—LIG delivers, no call centers or red tape.
- Contractor Audits: Be prepared for audits based on payroll and job class. We help you stay organized and ready.
- Changing Rates: Florida’s rates and rules change regularly—our local expertise means your policy keeps up.
Benefits of a BOP
- Workers’ Comp: Covers medical costs, lost wages, and liability for work-related injuries.
- General Liability: Covers injuries to clients or the public, not your employees.
- Occupational Accident Insurance: Sometimes offered as an alternative for very small businesses, but rarely meets Florida legal requirements.
We review all your exposures and recommend the right protection—nothing more, nothing less.
Frequently Asked Questions – Workers’ Comp
Do I need workers’ comp if I only use subcontractors?
In many cases, yes—especially in construction. We clarify the rules for your specific setup.
What happens if I don’t have workers’ comp?
You could face fines, stop-work orders, and liability for uncovered claims. Don’t risk it—let’s get you covered.
Can I exclude owners or officers from coverage?
Sometimes, depending on your business structure. We’ll walk you through the process.
How fast can I get proof of coverage?
Usually same-day—our team handles certificates, renewals, and audits directly.
Why choose LIG Specialty for workers’ comp?
Relationship-driven service, compliance expertise, and hands-on help with claims and certificates—never a call center.
Ready for Florida-Compliant Workers’ Comp?
Let’s protect your team, your contracts, and your peace of mind. Call for a quote or compliance review—always with advice tailored to your trade.