Workers' Compensation Insurance for FL & GA Employers

From retail shops in West Palm Beach to job sites in Savannah, we help Florida & Georgia business owners get the workers' comp coverage they need to stay compliant & protect their teams.

What’s Typically Covered

Workers' compensation insurance typically includes:



  • Medical care for employees injured on the job
  • Lost wages while employees recover
  • Ongoing care or rehabilitation costs
  • Disability or death benefits if the injury is serious
  • Legal defense if a worker files a related lawsuit

Most states, including Florida & Georgia, require coverage once you hire even a single employee.

Add-Ons & Custom Coverage Options

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Employer's Liability Coverage

Added protection if you're sued beyond workers' comp limits

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Voluntary Compensation

For owners, volunteers, or non-eligible workers

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Return-to-Work Programs

Helps minimize downtime and support employee recovery

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Coverage for Multi-State Operations

Especially useful if you cross state lines


We'll guide you through the rules that apply based on your team size, structure & location.

Industries We Help With Workers' Comp

We insure businesses in:


  • Boynton Beach, Delray Beach, Fort Lauderdale, FL
  • Augusta, Macon, Atlanta, and coastal GA
  • Retail, construction, food service, transportation, healthcare, hospitality & more

Whether you're a new employer or reviewing your annual policy, we'll help you stay protected and penalty-free.

Common Questions About Workers' Comp

  • When do I legally need workers' comp?

    In Florida, coverage is generally required if you have 4 or more employees (1 for construction). In Georgia, it's required at 3 or more. We'll help you comply.

  • Does workers' comp cover part-time employees?

    Yes - part-time, seasonal & full-time workers are typically covered. We can explain any exceptions.

  • Can I exclude myself as an owner?

    Yes, in many cases owners can exempt themselves. We'll help you fill out the proper state forms if needed.

  • Is workers' comp expensive?

    Rates vary based on payroll, risk class & history. We compare carriers to help control your costs.

  • Can I get coverage for subcontractors?

    You may need it, especially in construction. We'll review your 1099 arrangements and help you decide what's necessary.

Why Small Businesses Work With Us

Clear Guidance on Complex Rules

We stay up to date on state requirements so you don't have to - and explain them in plain language.

Affordable Options From Top Carriers

We quote multiple insurers to find competitive rates and reliable claims service.

Real People Who Answer Your Questions

You'll always talk to someone who understands your business and follows up when it matters.

Let's Get Your Team Covered & Compliant

Workers' comp doesn't have to be complicated. We'll help you meet state requirements and protect your business.

Start your quote today.