Workers’ Compensation Insurance in Florida for Teams That Count on You

Protect Your Team with Workers’ Comp

Required for most employers—and the right thing to do.

Workers’ compensation pays medical bills and a portion of lost wages when employees are injured on the job. It also helps shield your business from most employee injury lawsuits. In Florida, many non-construction employers with four or more employees must carry coverage; construction often needs it with one or more. Complete Trust Insurance helps Vero Beach employers get compliant and stay competitive on price.

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What Workers’ Comp Covers

Care, Wage Replacement, and Employer Protections.

Medical treatment, rehabilitation, partial wage replacement during recovery, and disability benefits when applicable—plus employer’s liability for certain suits not barred by comp. We’ll explain waiting periods, provider networks, and return-to-work options suited to your industry.

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Florida Workers’ Comp Details

Class Codes, Experience Mods, and Audits.

Rates are tied to job classifications and payroll; larger firms may receive experience modifications. We’ll help place employees in correct classes, manage certificates, and prepare for audits—reducing surprises at audit time for Indian River County businesses.

Workplace Safety & Cost Control

Safety Programs Pay for Themselves.

Carriers often offer risk control resources and training. Fewer claims mean better premiums. If you also carry a BOP and commercial auto, we’ll coordinate loss-control efforts across policies as part of a broader commercial insurance plan with Complete Trust Insurance.

Integrate With a Complete Plan

Workers’ Comp is One Pillar Among Many.

Round out protection with general liability for customer claims and a BOP for property and business income. Ask about disability income for owners—comp only applies to on-the-job injuries.

Frequently Asked Questions

Workers’ Comp Questions From Florida Employers.

  • Who must carry workers’ compensation in Florida?

    Generally, non-construction employers with four or more employees must carry it; construction typically requires it with one or more.

  • Can owners or officers exclude themselves?

    Often, yes—officers may file for exemptions depending on entity type and industry. We’ll help file the proper forms.

  • Do 1099 subcontractors count as employees?

    If subs lack their own workers’ comp (and proof), your business can be responsible. Always collect and verify certificates.

  • How are premiums calculated?

    By payroll and class code, adjusted by experience modification for eligible employers. Accurate classifications and clean losses help costs.

  • What does workers’ comp actually pay?

    Medical bills, rehab, a portion of lost wages during recovery, and disability benefits when applicable; employer’s liability for certain suits.

  • How can I reduce my workers’ comp costs?

    Invest in safety training, return-to-work programs, and proactive claims management. Carriers provide resources we’ll help implement.

  • What if I’m a new business or high-risk trade?

    Complete Trust Insurance can access markets for new ventures and guide high-risk classes to compliant options.