Medical Benefits
Pays authorized and medically necessary treatment for an eligible work-related injury or illness, subject to Florida workers’ compensation rules.
Workers' Comp
Workers’ compensation for job-related injuries and employer obligations.
Workers’ comp can provide eligible medical, wage, disability, rehabilitation, and death benefits after a work-related injury or illness, while the policy’s employer-liability section addresses certain lawsuits.
Please use the form for initial information only. We will guide secure next steps when more detail is needed.
Who it is for
Florida employers evaluating statutory requirements, employee classifications, payroll, certificates, and protection for work-related injuries or illnesses.
What matters before you compare
- Florida requirements depend on industry, employee count, ownership, and exemptions
- Payroll and job classifications affect premium but are not themselves coverages
- Policies are commonly audited, and uninsured subcontractors can create additional exposure
How the process works
01
Tell us what you need
02
We review the risk and available markets
03
A licensed agent explains the options
04
You decide whether to proceed
Coverage education
Common coverages and policy features
Exact coverage depends on the policy form, limits, deductibles, endorsements, exclusions, and carrier approval. These explanations are educational and do not replace the policy contract.
Temporary Disability Benefits
Provides partial wage replacement when an authorized doctor says an eligible injured employee cannot work or must work at reduced earnings.
Permanent Impairment / Disability
May provide benefits when an eligible work injury results in lasting impairment or permanent work limitations, according to statutory rules.
Reemployment / Rehabilitation Services
May provide eligible services or training that help an injured worker return to suitable employment when the prior job is no longer possible.
Death Benefits
May provide statutory funeral expenses and benefits to eligible dependents when a covered workplace accident or illness results in death.
Employer’s Liability
Part Two of the policy can defend and pay certain covered employee-injury lawsuits that fall outside the exclusive-remedy protection, subject to limits and exclusions.
Start a quote
Workers' Comp request
Share the basics for this product. We will review the request and guide the next step based on available markets, eligibility, and underwriting requirements.
Prefer to start with a conversation?
Message us directly. If we need documents or sensitive information, we will guide you to a secure next step.
Chat on WhatsAppPlease use the form for initial information only. We will guide secure next steps when more detail is needed.
Workers' Comp: Frequently asked questions
When is workers’ compensation required in Florida?
The threshold depends on industry and worker type. Many non-construction employers generally need coverage at four or more employees, while construction rules are stricter. Verify the current rule and any valid exemption for your business.
Are owners or officers automatically exempt?
No. Eligibility and exemption procedures vary by entity type and industry. An exemption must be validly obtained and may not satisfy a client’s contract requirement.
Are independent contractors excluded from workers’ comp?
A label or 1099 alone does not decide status. Florida applies legal criteria, and a worker or uninsured subcontractor may still create exposure.
What are class codes?
Class codes describe job duties for rating purposes. They are not coverage. Incorrect classification can produce an inaccurate quote and a large adjustment at audit.
Why is payroll estimated?
Workers’ comp premium is commonly based on payroll by class code. The insurer audits actual payroll and exposure after the policy term and adjusts premium.
Does workers’ comp cover the owner?
It depends on entity type, election, exemption status, and policy. Confirm whether each owner or officer is included or excluded rather than assuming.
What is employer’s liability coverage?
It is Part Two of the policy and can respond to certain employee-injury lawsuits not handled solely by statutory workers’ comp benefits. It has separate limits and exclusions.
Can a client require workers’ comp even if the law does not?
Yes. A contract, landlord, general contractor, or platform can require coverage or a waiver before work begins, independent of the statutory minimum.
Does submitting the form create a policy?
No. The form starts the review. Coverage exists only after the carrier approves the risk, the terms are accepted, payment requirements are met, and the effective date is confirmed.
How does TerraBridge help with this decision?
TerraBridge gathers the initial context, checks markets available for workers' compensation, and explains relevant coverages, limits, deductibles, and tradeoffs. Final approval and issuance remain subject to carrier underwriting.
Insurance products are subject to underwriting approval, carrier availability, eligibility, terms, conditions, limitations, and exclusions. Submitting a request does not bind coverage, guarantee a quote, or create an insurance policy. Coverage is only effective when confirmed by the applicable carrier or authorized platform.