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Worker's Compensation
Protecting your employees is essential to protecting your business. Workers Compensation Insurance provides benefits to employees who suffer work-related injuries or illnesses, covering medical expenses, rehabilitation costs, and lost wages.
In Florida, most employers are required by law to carry workers compensation coverage, and Total Insurance Group, LLC helps businesses across Cape Coral, Fort Myers, and the surrounding areas stay compliant while protecting their teams.
Beyond meeting state requirements, this coverage demonstrates that you value your employees’ well-being and are committed to maintaining a safe workplace. In return, it also protects your business from potential lawsuits that could arise from workplace injuries.
Our experienced agents will help you understand your obligations, determine appropriate coverage limits, and find competitive rates. Whether you’re a small business or a growing company with multiple employees, we’ll make sure you have the protection and peace of mind you need.
Frequently Asked Questions
Is Workers Compensation required in Florida?
Yes, most Florida employers must carry it. Construction businesses with one or more employees and non-construction businesses with four or more employees are required by law to have coverage.
What does Workers Comp pay for?
It covers medical care, lost wages, rehabilitation, and death benefits for employees injured on the job.
Does it cover independent contractors?
Not typically. Independent contractors must usually carry their own coverage, but we can help you determine how Florida law applies to your situation.