Workers' Compensation Insurance for Tampa FL Businesses
Workers' comp for Tampa businesses: medical care and lost wages for injured employees, employer's liability for you, and fast help with Stop-Work Orders.
Workers' comp takes care of your employees and your business
When an employee is hurt on the job, workers' comp pays for their treatment and lost wages. It also protects your business if an injured employee sues you directly.
- Medical treatment with no out-of-pocket cost for covered care
- Lost wage benefits, typically 66.67% of average weekly wage
- Employer's liability if an employee sues you directly
- Quick help resolving Florida DFS Stop-Work Orders
Key protections in a workers' comp policy
Medical treatment
ER, hospital, surgery, physical therapy, prescriptions and follow-up for work-related injuries.
Lost wage benefits
Temporary disability benefits until the employee can return, plus permanent disability for lasting harm.
Vocational rehabilitation
Retraining when an employee cannot return to their prior role, reducing your long-term exposure.
Employer's liability (Part B)
Legal defense, settlements and judgments if an injured employee sues outside the comp system.
Stop-Work Order resolution
We get coverage in place quickly to resolve a DFS Stop-Work Order and limit daily penalties.
Owner and officer exemptions
When a construction officer or LLC member exemption makes sense, and when coverage costs less.
When Florida requires workers' comp
Requirements depend on your industry and headcount. Owners and contractors you hire can count too.
No coverage can mean a Stop-Work Order and fines up to $1,000 a day
You can also be personally liable for injury costs while uninsured. Call 813-776-1542 for urgent help getting coverage in place.
What drives workers' comp cost in Hillsborough County
Premiums are built on the work your employees do and how much you pay them. Your claims record moves the price up or down.
- NCCI class code: roofing pays far more per $100 of payroll than clerical
- Total annual payroll: premiums scale directly with payroll
- Experience mod (e-mod): clean records earn credits, claims raise costs
- Carrier selection: we compare multiple carriers, including for high-risk trades
Why Tampa Bay businesses trust FishHawk Insurance Center
Multi-carrier comparison
We compare multiple carriers, including competitive options for high-risk trades.
Same-day Stop-Work Order help
Urgent help getting coverage in place so your job sites can reopen.
Florida compliance expertise
Exemptions, class codes and contractor classification reviewed for you.
Ongoing policy management
We stay with your policy after it binds, not just at the first quote.
Getting covered is simple
Tell us about your business
Call 813-776-1542 or fill out the form with your trade, employees and payroll.
We shop multiple carriers
We compare workers' comp rates from multiple carriers and check your class codes.
Bind coverage and get your COI
Pick the policy that fits. We bind it and send your certificate of insurance.
Frequently asked questions
When exactly is workers' comp required in Florida?
Construction businesses with 1+ employees must carry workers’ comp (including owners without a valid exemption). Non-construction businesses must carry it with 4+ employees. Agricultural businesses have separate thresholds. Penalties include Stop-Work Orders, fines up to $1,000/day, and personal liability for all injury costs during uninsured periods.
What is a Stop-Work Order and how do I get it lifted?
A Stop-Work Order is issued by the Florida DFS when a business operates without required workers’ comp. It halts all business operations at affected sites until coverage is obtained and penalties paid. FishHawk Insurance Center helps get coverage in place quickly to expedite SWO resolution, call 813-776-1542 for urgent assistance.
Can Florida construction owners exempt themselves from workers' comp?
Yes, under certain conditions. Florida corporate officers (10%+ stock ownership) and qualifying LLC members in construction can apply for a Certificate of Exemption. Exemptions cover only the exempted individual, must be renewed, and have other conditions. FishHawk Insurance Center helps you determine whether an exemption or coverage is the better choice.
Does workers' comp cover independent contractors I hire?
It depends on classification. If the Florida DFS determines workers you classified as independent contractors are actually employees, you can be liable for their workers’ comp coverage. Florida applies the ‘statutory employee’ doctrine in construction especially strictly. FishHawk Insurance Center can help you review your contractor relationships.