WORKERS’ COMPENSATION INSURANCE

Workers’ Compensation Insurance for Florida Employers

Protect your employees and stay compliant

Protect your team, control costs, and meet Florida requirements with clear guidance and fast certificates of insurance.

What You Get

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What Workers’ Comp Covers

Medical care for work-related injuries and illnesses
Wage replacement during recovery, subject to policy and state rules
Rehabilitation and return-to-work support
Death benefits for eligible dependents

Employers Liability (Part B): Helps protect your business against certain lawsuits related to workplace injuries. Choose limits that fit contracts and risk.

What It Does Not Cover

Injuries that occur off the job
Intentional or fraudulent acts
OSHA fines and penalties
Most independent contractors or uninsured subs, subject to Florida rules
Company property damage or auto accidents not tied to work injuries

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Related coverages to consider

Depending on your operations and contracts, you may also need:

General Liability – third-party injury and property-damage claims not tied to workplace injuries
Commercial Auto – vehicles used for business
Business Property / BOP – business contents, equipment, and property
Professional Liability (when applicable) – errors & omissions for service-based work

Requirements vary by carrier and industry. We’ll help you choose what’s appropriate.

Ready To Get a Quote?

Why Florida Businesses Choose Us?

Florida based commercial team with workers’ comp expertise
Quotes from multiple carriers to match class codes and payroll
Same day certificates of insurance in most cases
Waiver of subrogation when required by contract
Help with audits, experience mod reviews, and claim strategy
Bilingual friendly service from quote to claim

Talk to a Commercial Specialist

Call (813) 657-0100

Frequently Asked Questions

Is workers’ compensation required in Florida?

Most employers are required to carry it. Requirements vary by industry and employee count. We will confirm what applies to your business.

What does workers’ comp cover?

Medical treatment for work related injuries or illnesses, a portion of lost wages, rehabilitation, and certain death benefits.

How is the premium calculated?

Payroll by class code, your experience modification factor, prior losses, safety programs, and job duties all influence price.

What is an experience mod?

It adjusts premium up or down based on your claims history compared to similar businesses. We help you understand and improve it over time.

Are owners or officers covered?

In some cases they can be included or excluded. We can help file the proper notices.

Are independent contractors covered?

Usually not, correct worker classification matters. We can review your arrangement and advise on options.

Popular Options and Endorsements

Pay-as-you-go billing that syncs with payroll to smooth cash flow
Waiver of subrogation to satisfy contract terms
Managed care networks and nurse triage services when available
Voluntary compensation for certain non-covered workers when needed
USL&H or maritime exposures placed when operations require

Certificates, Audits, and Compliance

Certificates of Insurance: Issued quickly for jobs, landlords, and lenders
Annual audits: We help you prepare payroll reports and resolve variances
Contract reviews: Send requirements and we will align endorsements and wording

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Call (813) 657-0100

Customers Feedback

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“The entire team at Romero Insurance & Financial Services lives up to their motto impeccably. Integrity truly is their bottom line and I have been really grateful to have had the opportunity to meet and work with them. You can trust that you are in awesome hands!”