Workers Compensation
Workers' Compensation Insurance in Miami, FL
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Workers' Compensation Insurance in Miami, FL
Required by Law. Designed to Protect.
In Florida, if you have employees, you’re legally required to carry workers’ compensation insurance and for good reason. At WayGuard Insurance Group, we help Miami businesses secure affordable, compliant, and customized workers’ comp coverage that protects both your employees and your bottom line.
As an independent insurance agency, we shop top-rated carriers to find the right coverage for your business without the cookie-cutter approach or inflated premiums.
What Is Workers’ Compensation Insurance?
Workers’ comp helps cover the cost of employee injuries and illnesses that happen on the job. It provides protection for:
- Medical expenses (hospital bills, rehab, prescriptions)
- Lost wages while the employee is unable to work
- Disability benefits (temporary or permanent)
- Death benefits for surviving family members
- Legal expenses if your business is sued over a workplace injury
Even in a safe work environment, accidents happen and without coverage, your business is fully exposed to claims, lawsuits, and fines.
Florida Workers’ Comp Requirements
In Florida, state law requires workers’ comp if you have:
- 4 or more employees (full-time or part-time) in most industries
- 1 or more employees in construction-related businesses
- Agricultural employers with 6+ regular or 12+ seasonal workers
Failing to carry coverage can result in fines, business closure, and personal liability for claims.
Who Needs Workers’ Comp Coverage?
We help a wide range of businesses secure workers’ compensation, including:
- Contractors & construction crews
- Restaurants & hospitality
- Retail shops & salons
- Office-based businesses & healthcare providers
- Transportation, logistics, and warehouse operations
- Cleaning, janitorial, and maintenance companies
Whether you’re a sole proprietor hiring your first employee or managing a large team, we’ll ensure your policy fits your risk level, budget, and legal requirements.
Why Choose WayGuard Insurance Group?
- We’re Independent: We compare quotes from multiple carriers to find you the right price and coverage.
- Florida Law Expertise: We know the ins and outs of Florida’s workers’ comp system—and help keep you compliant.
- Easy Setup & Management: Get help with audits, certificates of insurance, renewals, and claims.
- Local Support: We’re based in Miami and always a phone call away when you need us.
Get a Workers’ Comp Quote for Your Miami Business
Don’t risk non-compliance, employee lawsuits, or out-of-pocket claims. Let WayGuard Insurance Group help you set up the right workers’ comp coverage—quickly and affordably.
Request a Quote.
Talk to a Local Advisor Today!