Workers' Compensation Insurance built for you
We have the workers comp solution for your business. Our team boasts the impressive ability to:
- Provide a workers compensation policy with $0 down
- “A” rated coverage and blanket waiver of subrogation allows you to work for any contractor or company
- 24/7 claims support and service. You can always text or call your dedicated insurance agent
- Same Day Certificate. Never wait for payment or to get on a job site again. We issue certificates on the same day you request, usually within the hour.
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Are workers comp and disability insurance the same thing?
Nope! In Florida, workers' compensation and disability insurance share similarities in providing financial support to workers facing career interruptions due to illness or injury. However, they differ in a few ways. Employers in Florida are mandated to carry workers' compensation insurance for their employees, with the premiums being their responsibility. Disability insurance, on the other hand, is not mandatory under Florida law. Workers' compensation covers work-related injuries and illnesses for which the employer holds liability, while disability insurance extends to non-work-related injuries and illnesses hindering work. Additional distinctions include tax-free benefits for workers' compensation and taxable benefits for disability insurance.
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Who needs Workers’ Compensation Coverage?
- Construction Employers who have 1 or more employees, (this includes non-exempt business owners)
- Non-Construction Employers who have 4 or more employees (this includes non-exempt business owners)
- Agriculture - 6 full time employees; and/or 12 seasonal employees who work greater than 30 days during a season OR greater than a total of 45 days in the same calendar year
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How do I know if my trade is considered "Construction Industry"?
You can find a comprehensive list of Construction Industry trades in the Florida Administrative Code:
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How much does Workers Comp cost?
The price of Workers' Compensation insurance is determined by three key factors: the business's payroll, the nature of the employees' work, and the employer's claims record. Employers may be eligible for premium discounts, with two popular options being a 2% discount for a workplace safety initiative and a 5% discount for a drug-free workplace policy. Renewal of these programs annually is necessary to maintain the discount.
Additional benefits to choosing Payroll Service Pros for your Workers Comp Needs
No Down Payment:
Typical standalone policies will require 15% or more down payment. With Payroll Service Pros and our insurance partners, we remove the down payment alleviating your business of large insurance payments.
Pay-As-You-Go Plans:
The payment plan follows the frequency of your payroll. Instead of large monthly installments, Payroll Service Pros makes your workers comp payments in small more frequent increments.
Simplifying the Audit:
All workers' compensation policies are audited at their expiration each year. With us, your workers’ comp audits can become quick and easy. We provide all the necessary reports and tax forms so that your audit can be a smooth process.
Same Day Certificates:
We provide Certificates of Insurance the same day they were requested. No more waiting for days to receive a certificate to show proof of insurance. Payroll Service Pros is fast and accurate, every day.
Bundle your insurance:
Payroll Services Pros owns and operates an Independent Insurance Agency. We write general liability and commercial property (often referred to as a Business Owner’s Policy), commercial auto, garage keepers’ insurance, commercial umbrella,
group health, and much more.
We're the Workers' Comp Insurance Pros!
Workers' compensation is not just a benefit, it's a critical safety net for employees who sustain work-related injuries or illnesses. Workers' compensation is a vital safety net that protects both employees and employers. Established by law in most states, this program provides crucial financial and medical support when unforeseen circumstances impact your employees ability to work.

Understanding its scope and benefits empowers you to make informed decisions in the event of a work-related incident. By ensuring proper coverage and adhering to reporting procedures, everyone involved can navigate challenging situations with greater ease and security.
Here's What You Can Expect
- We will keep your company in workers compensation compliance
- We handle all workers comp processing
- Reduced financial hardship for employees
- Faster Recovery: Timely access to medical care and financial support can expedite your employee's recovery and return to work
- Reduced liability
- Improved workplace safety
- Your business and your employees can protect their future
