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Workers Compensation - Overview

Under a workers compensation policy, employees are compensated for occupationally incurred injuries, regardless of fault, in return for which employers are immune from injury lawsuits by employees.

In Florida, the benefits are regulated by the Division of Workers’ Compensation, but paid entirely through private insurance or self-insurance means. The benefits include medical expenses, disability, and death. The amount of compensation payable is limited and fixed by law. Premiums are determined by the class of the employees and the payroll of the insured.

An employment includes all governmental employments regardless of the number of employees, and private employments with four or more employees (one or more in the construction industry). In certain situations an employer may qualify for a workers compensation exemption certificate. There are significant penalties for employers who are required to carry WC benefits for employees but fail to do so.

Find out how Koski & Co. Insurance Agents can meet your Workers’ Compensation insurance needs. Send us an email, simply fill out our no-obligation Quote Form, or call us now.


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Koski & Co. Insurance Agents
9875 Sunset Drive
Miami, FL 33173
Phone: (305) 595 2127