Most employers are required to provide workers compensation insurance in Florida to their employees. The specific coverage requirements vary depending on the industry or number of employees.

The cost of workers’ compensation insurance varies depending on several factors, including your industry, the number of employees, the types of work your employees do, and your claims history. It’s important to get quotes from multiple insurers to compare prices and find the most affordable option for your business.

Workers’ compensation generally does not cover:

• Injuries or illnesses that occur outside of work hours or off the job
• Injuries or illnesses caused by intentional misconduct or willful disregard of safety rules
• Cosmetic injuries that do not affect the employee’s ability to work

Even if your employees work from home, they are still covered by workers’ compensation insurance if their injuries or illnesses are work-related.

In some cases, you may be eligible to self-insure your workers’ compensation. However, this requires meeting specific financial requirements and obtaining approval from the state.

If you suspect that an employee is filing a fraudulent workers’ compensation claim, you should investigate the matter and report it to your insurance carrier.

When choosing a workers’ compensation insurance provider, consider factors such as their financial stability, reputation, and the level of customer service they provide. It’s also a good idea to get quotes from multiple insurers to compare prices and coverage.