Workers’ Compensation Insurance in Florida – The Marcus Group

Why Workers’ Compensation Matters in Florida

If you operate a business in Florida with employees, workers’ compensation insurance isn’t optional — it’s the law. Most businesses with four or more employees (non-construction) and all construction businesses must carry coverage. Without it, you risk significant fines, lawsuits, and even criminal penalties.


At The Marcus Group, we help businesses across the entire state of Florida, understand Florida’s requirements, protect employees, and safeguard the bottom line. Whether you run a small business or a large corporation, we’ll design a plan tailored to your operations.

Workers Compensation Insurance
Workers Compensation Insurance

What Our Workers’ Compensation Insurance Covers

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Medical Expenses

Doctor visits, hospital care, rehab, and prescriptions for workplace injuries or illnesses.

Lost Wages

Income replacement for employees unable to work while recovering.

Disability Benefits

Support for employees facing temporary or permanent disability due to work-related injuries.

Legal protection if an employee sues for workplace negligence.

Employer Liability

Death Benefits

Financial support for dependents in the event of a fatal accident.

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Common Add-Ons & Options

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Return-to-Work Programs

Support for helping employees transition back into the workforce.

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Occupational Illness Coverage

Covers long-term illnesses caused by job-related exposure.

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Safety Program Discounts

Rewards businesses that implement approved safety measures with lower premiums.

Who Needs Workers’ Compensation in Florida?

  • Small Businesses – Required with 4+ employees.

  • Construction Businesses – Required for every employee, no matter the size.

  • Restaurants & Retail – Covering slip, fall, and kitchen accidents.

  • Professional Services – Office-related injuries and repetitive strain.

Local Risks to Consider

South Florida businesses face added risks:



  • Hurricane & Storm Recovery – Accidents during cleanup.

  • Outdoor Heat Exposure – Common for construction and landscaping workers.

  • Slips & Falls – Frequent in retail and hospitality.

  • Construction Hazards – Florida’s highest-risk industry.

FAQs – Workers’ Compensation in Florida

  • Is workers’ compensation required in Florida?

    Yes. Most businesses with 4+ employees must carry coverage, and all construction businesses are required to.

  • Does it apply to part-time employees?

    Yes. Coverage applies to both full-time and part-time staff.

  • What about independent contractors?

    Contractors are generally excluded, but in construction, they may still fall under workers’ comp rules.

  • Can workers’ comp lower my business liability?

    Yes. It reduces lawsuits by covering medical expenses and wages automatically.

  • How much does it cost?

    Premiums depend on payroll size, risk level, and claims history. We shop multiple carriers to get the best value.

Protect Your Employees and Your Business

Get the Right Workers’ Compensation Insurance in Florida

At The Marcus Group, we make Florida’s workers’ comp system simple. With decades of experience and access to top carriers, we’ll keep your business compliant while protecting your most valuable asset — your employees.