Workers' Compensation Insurance in Lutz, Land O’Lakes, Wesley Chapel, New Tampa, Carrollwood & North Tampa

Workers’ compensation insurance helps pay medical costs for employees who have been injured or contracted a disease on the job. It is meant to protect employees and employers, alike. Employees benefit from the money they receive should they incur medical expenses because of an accident or exposure to harmful substances while working. Employers benefit from the legal protections that are associated with workers’ compensation laws.

In the state of Florida, businesses that must carry workers’ comp must acquire a policy through a Florida-licensed insurance agency. The place to go in Lutz, Land O’Lakes, Wesley Chapel, and throughout Pasco and northern Hillsborough counties is Shoemaker & Associates Insurance. Our independent agents have more than 40 years of combined experience in the industry, including more than a decade in Pasco County. We have access to quotes from a wide variety of carriers, and can find business owners the best deal available for workers’ comp policies.

But how can you be sure your company requires workers’ comp? According to the Florida Department of Financial Services Division of Workers’ Compensation, the following conditions require companies to carry workers’ compensation insurance:

  • Construction industry – employers with one or more full-time employees, which include sole proprietors, partners, and corporate officers
  • Non-construction industry – employers with four or more full-time employees, which include corporate officers who do not specifically file for exemption
  • Agricultural industry – employers with five or more regular employees and/or 12 or more seasonal employees who work for more than 30 days
  • Out of state employers – construction companies from other states with one or more employee active in the state of Florida must receive a Florida-based policy through a Florida-licensed insurance company

In addition to workers’ comp, Shoemaker can help business owners with all facets of professional insurance, including general liability, commercial vehicle insurance, property insurance, and more. If the convenience of having all of your business insurance needs under one roof sounds appealing, contact us today.