Understanding Workers Comp Insurance in Florida

Workers compensation insurance is a type of insurance that provides benefits to employees who are injured or become ill due to work-related activities. In the state of Florida, workers comp insurance is mandatory for most employers who have four or more employees, including part-time and seasonal workers. However, workers comp insurance can be confusing, and many employees and employers aren’t sure what it covers, who is eligible, and how to file a claim. This article will provide a comprehensive overview of workers comp insurance in Florida, including frequently asked questions and important information for employers and employees.

What Does Workers Comp Insurance Cover in Florida?

Workers comp insurance covers a wide range of injuries and illnesses that are related to work, including but not limited to:

Physical Injury
Broken bones, sprains, cuts, burns
Occupational Disease
Hearing loss, lung disease, repetitive strain injuries
Psychological Injury
Anxiety, depression, PTSD

It’s important to note that workers comp insurance covers injuries and illnesses that occur during work-related activities, whether on or off the job site. For example, if an employee is injured while traveling for work or attending a work-related event, they would likely be covered by workers comp insurance.

It’s also important to note that workers comp insurance does not cover injuries or illnesses that are intentionally self-inflicted or that occur due to the employee’s use of drugs or alcohol. Additionally, workers comp insurance does not cover injuries that occur during a personal activity, even if the employee is on the job site or using employer-provided equipment.

Who Is Eligible for Workers Comp Insurance in Florida?

In Florida, most employees are eligible for workers comp insurance, regardless of their employment status (full-time, part-time, seasonal, temporary, etc.). However, there are some exceptions. Independent contractors, volunteers, and certain types of agricultural workers are not eligible for workers comp insurance.

It’s important to note that employers are required to carry workers comp insurance for their eligible employees, and failure to do so can result in fines and other penalties. Additionally, employers may be required to provide workers comp coverage for certain types of subcontractors, depending on the nature of the work and the relationship between the employer and the subcontractor.

How Is Workers Comp Insurance Claims Processed in Florida?

If an employee is injured or becomes ill due to work-related activities, they should report the injury or illness to their employer as soon as possible. The employer is then responsible for filing a workers comp insurance claim with their insurance provider. Once the claim is filed, the insurance provider will investigate the claim and determine whether the employee is eligible for benefits.

If the claim is approved, the employee may be eligible for a range of benefits, including medical expenses, disability payments, and compensation for lost wages. The amount and duration of these benefits may vary depending on the severity of the injury or illness and other factors.

Frequently Asked Questions About Workers Comp Insurance in Florida

Q: What if my employer doesn’t have workers comp insurance?

A: If your employer is required to have workers comp insurance but doesn’t, you may be able to file a claim with the Florida Division of Workers’ Compensation. The Division will investigate the claim and, if it determines that the employer is not in compliance with the law, may impose fines and other penalties.

Q: What if my workers comp claim is denied?

A: If your workers comp claim is denied, you have the right to appeal the decision. You may want to consult with an attorney or other legal professional to help you with the appeals process.

Q: Can I be fired for filing a workers comp claim?

A: No, it is illegal for an employer to terminate or retaliate against an employee for filing a workers comp claim. If you believe that you have been retaliated against for filing a claim, you may want to consult with an attorney or other legal professional.

Q: Can I choose my own doctor for a workers comp injury?

A: In Florida, employees are generally required to seek medical treatment from a doctor that is approved by their employer or their employer’s insurance provider. However, employees may be able to choose their own doctor in certain circumstances, such as if the approved doctor is not available or if the employee requires emergency treatment.

Q: How much does workers comp insurance cost in Florida?

A: The cost of workers comp insurance in Florida varies depending on a number of factors, including the size and nature of the business, the industry, and the claims history. Employers may want to shop around for different insurance providers and compare costs and coverage options.


Workers comp insurance is an important part of protecting employees and employers in Florida. By understanding what workers comp insurance covers, who is eligible, and how the claims process works, employers and employees can ensure that they are prepared in the event of a work-related injury or illness. If you have more questions about workers comp insurance in Florida or need help filing a claim, you may want to consult with an attorney or other legal professional.