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Workers’ Comp Coverage
Protect your employees—and your business—with coverage that supports recovery, resilience, and responsibility.
Safeguard What Drives Your Business—Your People
At All Nation Insurance, we know your employees are the heart of your success. Our Workers’ Compensation insurance provides essential coverage for occupational injuries and illnesses, helping your team recover while protecting your business from legal and financial risks.
Medical Treatment
Coverage for doctor visits, hospital care, surgery, rehabilitation, and ongoing medical treatment related to work-related injuries or illnesses.
Disability Benefits
Provides income replacement for employees who are temporarily or permanently unable to work due to a job-related injury or condition.
Death Benefits
In the tragic event of a fatal workplace incident, this coverage provides financial support to the employee’s family, including funeral expenses.
Employer’s Liability
Protects your business against lawsuits filed by employees (or their families) for injuries not fully covered by standard workers’ comp benefits.
Legal Compliance in Florida
Florida law requires coverage for construction businesses with 1+ employee. Corporate officers count as employees unless exempt.
Risk Classification & Payroll-Based Premiums
Premiums are based on the type of work your employees do and your company’s payroll, making your policy scalable and tailored to your industry.
It covers medical expenses, lost wages, and death benefits for employees injured on the job. It also protects employers from employee injury lawsuits. In Florida, it’s required for most businesses with 4+ employees (or
Coverage includes bodily injuries from workplace accidents and illnesses caused or worsened by work conditions. For example, a slip and fall, repetitive stress injuries, or respiratory issues from workplace exposure.
Premiums are determined by your industry classification code and total payroll. Businesses in higher-risk industries (like construction) typically pay higher premiums than office-based employers.
Failure to maintain proper coverage can result in significant penalties, fines, stop-work orders, and potential legal action. It’s not worth the risk—compliance protects both you and your employees.
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Since 1989, All Nation Insurance has been helping individuals and businesses stay protected—offering expert guidance, dependable coverage, and peace of mind.
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