Required Coverage for Florida Construction Crews
Protecting Your Team and Your Business
Workers’ compensation insurance covers medical care, lost wages, and recovery costs when an employee is hurt on the job. In Florida construction, it’s a core requirement for most employers and a non-negotiable expectation on many job sites.
If you’re a
contractor in Jacksonville, St. Johns County, or anywhere in Florida, workers’ comp helps keep your projects compliant and your crews supported after accidents. GM Insurance Underwriters places workers’ compensation for general contractors, subcontractors, and small businesses statewide, with programs that reflect your trade and payroll.
Rates, Audits, and Keeping Costs Steady
Manage Your Policy without Surprises
Workers’ comp pricing depends on payroll, job classifications, prior claims, and how your business runs day to day. Construction codes are especially sensitive in Florida, so accuracy matters. We help you set up classifications correctly at the start and stay prepared for annual audits that can affect your final premium.
For contractors growing quickly or adding new trades, we’ll update payroll estimates through the year so renewal and audit numbers make sense. We also talk through practical steps that can help keep rates stable over time, including strong
job-site safety habits and clear reporting procedures.
Common Questions from Florida Employers
When is workers’ comp required in Florida?
Florida rules vary by industry. Construction employers typically need coverage when they have employees, and many contractors carry it even with small crews to meet contract requirements.
Can I get coverage for a new business?
Yes. We regularly help new Florida contractors and small businesses get workers’ comp set up correctly from day one.
Does workers’ comp cover subcontractors?
It depends on how your subs are classified and whether they carry their own coverage. We’ll review your subcontractor approach to reduce risk and ensure compliance.