Workers’ compensation pays medical bills and part of lost wages for employees hurt on the job. Florida sets rules for who must carry it.
What it generally covers
- Medical treatment for work injuries
- Wage replacement
- Employer’s liability, depending on the policy
Where gaps often hide
- Classification errors can lead to premium disputes
- Subcontractor status can shift exposure to you
- Rules for owners and officers vary
Questions worth asking
- Are my employees correctly classified?
- How are subcontractors treated?
- Am I required to cover owners and officers?
General information only. Actual coverage depends on your policy, and coverage is not in force until confirmed in writing by the agency.