Workers' compensation

Workers' Compensation Insurance

Cover employee medical costs and lost wages from on-the-job injuries, and keep your business compliant with Florida requirements.

  • Medical & lost wage benefits
  • Employer's liability
  • Contractor & trade classes
  • Audit and payroll guidance

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Local insurance guidance

Kite Insurance Agency helps clients in Pensacola, Escambia County, Santa Rosa County, and the Florida Gulf Coast compare coverage options with clear explanations and responsive service.

What workers' comp covers

  • Medical treatment for work-related injuries and illnesses.
  • Lost wages during recovery.
  • Employer's liability for related suits brought against the business.

Getting the class codes right

Premium is driven by payroll and class code. Misclassified payroll causes surprise audit bills — we review your operations up front to avoid that.

Related coverage

Frequently asked questions

When is workers' comp required in Florida?▾

Requirements depend on industry and employee count — construction businesses have stricter thresholds than most others. We'll walk you through where your business lands.

Do subcontractors need their own policy?▾

If they can't provide proof of coverage, they may be counted on your payroll at audit. Always collect certificates.

How is workers' comp premium calculated?▾

Primarily by payroll and job class codes, adjusted by your experience modification and claims history.

What is a workers' comp audit?▾

At the end of the policy term, the carrier reviews your actual payroll and class codes to finalize your premium.

Can business owners exclude themselves?▾

In Florida, some corporate officers can file an exemption. Rules differ for construction. We'll help you understand your options.

What should an employee do after a work injury?▾

Report the injury to the employer promptly and seek medical care. The employer should report the claim to the carrier quickly.

Can I pay workers' comp based on actual payroll?▾

Some carriers offer pay-as-you-go billing tied to your payroll, which can help with cash flow.

Request a Workers' Comp Quote

Request a quote or call us today.