Workers' Compensation Insurance Florida
Protecting Your Team, Your Business, and Your Peace of Mind
Your employees are the heart of your business, and keeping them safe is a responsibility you take seriously.
Workers’ compensation insurance helps protect your team and your business from the financial impact of workplace injuries. At Darr Schackow Insurance, we make it easy to get reliable, affordable workers’ comp coverage tailored to your company’s needs.
Why Workers’ Compensation Matters
Even in the safest workplaces, accidents can happen. Workers’ compensation provides essential protection for both you and your employees. If someone is injured on the job, workers’ comp helps cover medical expenses, lost wages, rehabilitation costs, and more, so your team can focus on healing and your business can continue running smoothly.
For Florida employers, workers’ compensation isn’t just a smart choice, it’s often required by law. Whether you’re a small business with a few employees or a growing company with a full crew, having the right coverage in place keeps you compliant and prepared.
What Does Workers' Compensation Cover?
Workers’ compensation insurance helps safeguard your business from the financial strain of workplace injuries.
It typically includes protection for:
Medical Expenses
For work-related injuries or illnesses.
Lost Wages
While an employee recovers.
Ongoing Treatment
Physical therapy or rehabilitation.
Disability Benefits
When applicable.
Death Benefits
For an employee's family.
Employer Liability
Protecting your business from certain lawsuits.
Who Needs Workers’ Compensation in Florida?
Most Florida businesses with four or more employees, including part-time staff, are required to carry workers’ compensation. Construction businesses have even stricter rules—coverage is required when you have one or more employees.
If you’re not sure whether your business needs workers’ comp, our agents are happy to walk you through the requirements and help ensure you remain fully compliant.
Why Choose DSI for Workers' Compensation?
At Darr Schackow Insurance, we work one-on-one with Florida business owners to make workers’ compensation simple. As an independent agency, we partner with top-rated insurance companies to find the best options for your business, saving you time, money, and stress.
We’ll help you:
- Compare policies from trusted carriers
- Identify gaps in your current coverage
- Understand Florida’s workers’ compensation requirements
- Choose a plan that fits your team and your budget
When you partner with DSI, you’re gaining more than an insurance policy—you’re getting a local team committed to protecting your business and your employees.
Representing the top insurance companies
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FAQs
Yes. Most businesses with four or more employees must carry workers’ compensation. In the construction industry, it’s required once you have one employee. Our agents can help you determine exactly what your business needs to stay compliant.
Yes—if an employee is performing work-related duties when injured, workers’ comp typically covers them, whether it happens at a jobsite, on the road, or at another location.
Workers’ compensation covers injuries regardless of who was at fault. This helps protect both your team and your business, reducing the risk of lawsuits and out-of-pocket expenses.
Costs vary based on your industry, number of employees, payroll, and past claims. As an independent agency, DSI compares multiple carriers to help you find competitive rates and the right level of protection for your business.