Workers' Comp coverage for Florida businesses
Protect your team and your business from on-the-job injuries with affordable, compliant Workers' Compensation coverage in Florida.
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Fast response from a licensed FL agent.
Coverage that works how you do
Florida law requires most employers to carry Workers' Compensation insurance. Prime Insurance Group helps small and mid-sized businesses stay compliant with the right coverage — from construction contractors to office teams and everything in between.
We shop across A-rated carriers to get you competitive pay-as-you-go options, ghost policies, and multi-state coverage where you need it.
What's included
Medical Bill Coverage
Pays for injured employees' medical treatment and rehabilitation.
Lost Wage Replacement
Replaces a portion of income while employees recover from a work injury.
Employer Liability
Protects your business from lawsuits stemming from a workplace injury.
Pay-As-You-Go
Base premiums on actual payroll to improve cash flow.
Ghost Policies
Sole-proprietor solutions to satisfy contract requirements.
Certificates on Demand
Fast COIs so you can start jobs without delays.
Is this coverage right for you?
- Florida contractors and subcontractors bidding on jobs
- Restaurants, retail shops, and hospitality businesses
- Landscaping, cleaning and home-service companies
- Medical, dental and professional offices
- Any business with 4+ employees (or 1+ in construction)
Why Prime Insurance Group
Top-rated carriers we work with
Frequently asked questions
Is Workers' Comp required in Florida?+
Yes for most businesses. Construction employers with one or more employees must carry it; non-construction employers with four or more employees must carry it.
What's a ghost policy?+
A minimum-premium Workers' Comp policy for sole proprietors who need proof of coverage to satisfy contract requirements but have no employees.
How is my premium calculated?+
Premiums are based on payroll, class code, and experience modifier. We'll walk you through the drivers and where you can save.
Can I bundle it with general liability?+
Yes — many of our carriers offer package pricing on GL, WC, and commercial auto.
Ready to get covered?
Speak with a licensed Florida agent today. Same-day coverage available for most policies.
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