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Worker's Compensation

workers’ comp is a valuable asset for employers and employees.

If you think of workers’ comp as an expense, consider what it would cost to pay for an injured worker without this protection. It also helps to reduce chances of being sued for medical costs by an employee, and anything that reduces the chance of lawsuits is a good thing.

Getting the best value and managing workers' compensation expenses:

  • Simplified Insurance works with a variety workers' comp insurance providers that may offer different pricing depending on the type of business. We'll compare options to find you the best price now and monitor changes to make sure you're saving money wherever possible at renewal.
  • Our expertise and knowledgeable staff understand proper job classification which drives workers comp costs. We'll make sure your workers are properly classified and give you guidance to help you manage your costs.
  • We offer simplicity with one point of contact. You've got a dedicated associate you can turn to for assistance. And, in many cases, we can place your general business insurance and workers comp with the same insurance company which results in you are having to work with only one auditor and loss control person, which saves you time and reduces extra work.

What does workers’ comp insurance cover?

In the event that an employee is injured on the job, workers’ compensation coverage provides payment for medical care, rehabilitation and a portion of wages if the person is unable to work. If the worst situation happens and an employee dies while performing his job, it provides a death benefit to a worker’s dependents.

Workers’ compensation law requirements can vary from state to state. As a result if you have employees who work in other states, you may have to purchase additional workers’ compensation in another state to protect your business in the event that a worker is injured outside the state your business is headquartered. In Florida, it is mandatory for all governmental employments regardless of the number of employees, and private employments with four or more employees (one or more in the construction industry), to provide workers' comp coverage.

Coverage is generally effective on the first day of employment. Workers’ compensation is “no fault” insurance meaning blame for injury is generally not a factor in determining coverage. In the event that an employee is unable to work, there is a 7 day waiting period after which workers’ comp provides a portion of the person’s weekly income a specified number of weeks for temporary or partial disability, and if a person is permanently disabled it will provide a portion of wages on an ongoing basis.

Sole proprietor and partnership options of coverage

​If you are a sole proprietor or part of a partnership, you are considered to be the employer not the employee. therefore you are not automatically included for coverage; however, you may choose to elect coverage. But if you are a sole proprietor or a partner in a construction industry, you are considered to be an employee, therefore you have to be included in the coverage.

Penalties for noncompliance.

Noncompliance with the Worker's Compensation law is a serious matter that should not be taken lightly, due to the significant penalties that might affect business owners if they fail to show proof of insurance:-


  • Second-degree Misdemeanor.
  • Employer may be prevented from employing or conducting business until compliance is accomplished.
  • A fine of $1,000 Plus $100 for each day of noncompliance.
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