Workers' Compensation InsuranceWorkers' compensation insurance is coverage purchased by the employer/business that provides benefits for job-related employee injuries, with a few exceptions. Florida law requires most employers to purchase workers' compensation coverage. Under a workers' compensation policy, employees are compensated for occupationally incurred injuries, regardless of fault. This coverage makes employers immune from some injury lawsuits by employees. Show The Office of Insurance Regulation (OIR) provides important oversight for those writing workers’ compensation coverage in Florida. OIR regulates the rates, forms and financial solvency for workers’ compensation insurers as part of its mission to maintain a robust and competitive market and maintain protections for the insurance-buying public. In Florida, the Division of Workers' Compensation within the Department of Financial Services (DFS) is the primary regulator for ensuring employees receive the proper benefits under this coverage, which includes benefits for medical expenses, disability, or death. Workers' Compensation MarketThere are more than 250 insurers offering workers’ compensation insurance in the state of Florida. In Florida, the largest workers’ compensation insurer is a private market insurer rather than a state-created residual market entity. Annually, OIR produces a report on the workers’ compensation market. Click here to view the Workers’ Compensation Annual Report. ConsumersPublic Rate Hearings
DFS Division of Workers’ Compensation
DFS Consumer Services
InsurersApply to Write Workers’ Compensation Coverage in Florida
Submit a Form or Rate Filing
Primary Statutes
Primary Rules
Informational Memorandums
Legislative Changes
Public Rate Hearings
Educational Resources and Materials
Please note that some of the resources were not developed by the OIR and some links will direct you to websites not maintained by the OIR.
Disclaimer: The Department of Financial Services shall be held harmless against all claims, suits, judgments, and/or damages resulting from this disclosure of information, including all costs and fees. The information contained herein is a representative reflection of selected information reported by the insurance carrier and maintained by the Department of Financial Services, Division of Workers' Compensation. Although a client company of an employee leasing company or a Professional Employer Organization (PEO) may be listed as having coverage, it is important to note that only the workers reported to and accepted by the employee leasing company or PEO have workers' compensation coverage. Therefore, it is recommended to contact the employee leasing company or PEO to verify who has coverage with the client company. What are the workers comp laws in Florida?Florida law requires most employers to purchase workers' compensation coverage. Under a workers' compensation policy, employees are compensated for occupationally incurred injuries, regardless of fault. This coverage makes employers immune from some injury lawsuits by employees.
How do I file for workers compensation in Florida?Steps to File a Workers' Compensation Claim in Florida. Write Down Details of What Happened and Obtain Available Evidence. ... . Get Medical Treatment. ... . Report Your Injury to Your Employer. ... . Follow Up. ... . Document Everything. ... . Be Careful when Talking to the Insurance Company. ... . Try to Resolve Any Disputes, Then File a Petition.. How do I verify workers compensation insurance in Florida?Contact the Employee Assistance and Ombudsman Office at 800-342-1741 or by e-mail at [email protected] and they will assist you. You can also Search For My Employer's Coverage to see if your employer has coverage.
Is workers Comp public record in Florida?Personal Information Exempt from Public Disclosure
Accordingly, the Florida Division of Workers' Compensation protects the social security numbers, medical and financial information of injured workers obtained in the performance of its statutory responsibilities.
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