It’s simple: having workman’s compensation coverage is the law in Miami, Florida. If you don’t have it, you face state fines and penalties—even if you never file a claim. You could also get stuck with unexpected costs you have to pay out of your own pocket.

Workers’ comp insurance gives your employees and their families peace of mind knowing they won’t have to pay for medical treatment or other injury-related expenses.

Why Does Your Business Need Workers’ Compensation Insurance?

Injured Employee while working

The Insurance departments have designated NCCI as the licensed rating and statistical organization. So premiums, classification codes, and experience modification factors are per the manual rules of the National Council on Compensation Insurance.
For example In Florida, non-construction employers must obtain valid Workers Compensation coverage once they have four or more full or part-time employees.

A great benefit for the employer is that Workers’ compensation insurance includes employer liability, which protects your business if an employee should sue

What is Workers’ Compensation Insurance?

Workers Compensation Insurance in Miami- Florida is a form of insurance that pays for certain
expenses for workers injured on the job. In exchange for this protection, employees give
up their rights to sue an employer for negligence.

What type of expenses are covered by workers compensation insurance in Miami Dade, Broward and Palm Beach County

Wages lost by being unable to work!

Medical bills incurred as a result of a work-related accident or illness!

Expense costs of necessary rehabilitation!

We can’t prevent work-related accidents – but we can be sure you are prepared when
they happen!

We know you don’t want your employees to go unpaid if unable to work due to an
illness or injury !

Protect every employee from medical bills and lost wages due to a work-related injury
or illness!

Tell Us About Your Business

What Types of Insurance Are You Interested In?