Workers compensation helps address medical costs and lost wages for employees who experience a work-related injury or illness, and is generally required once a business reaches certain employee thresholds under Florida law. Infante Insurance Group works with a network of carriers to help business owners across Florida and Texas — from Miami-Dade and Tampa to Orlando, West Palm Beach, Houston, and Dallas — explore workers compensation options that fit their industry and workforce — in English or Spanish.
Coverage Options
A typical workers compensation policy is built around a few core benefits. Medical benefits can help cover treatment related to a qualifying workplace injury or illness. Wage replacement benefits can help address a portion of lost income during recovery, according to state guidelines. Disability benefits may apply if an injury results in temporary or permanent impairment. Employer’s liability coverage, often bundled with the policy, can help address certain claims that fall outside the standard workers compensation system. Requirements and specific benefit structures are set by Florida law and can vary by industry and business structure.
Who May Need This
Florida law sets specific employee-count thresholds for when workers compensation becomes required, and those thresholds vary by industry — for example, construction businesses are generally held to a lower threshold than most other industries. If you have employees, or are unsure whether your business currently meets the threshold, it’s worth a conversation with a licensed agent to confirm your specific requirement.
Where You're Covered
Florida and Texas take notably different approaches here. Florida generally requires workers compensation once a business reaches certain employee thresholds, enforced through the Florida Division of Workers’ Compensation. Texas is unusual among states — most private employers can choose whether to carry workers compensation at all (a “non-subscriber” option), though opting out removes certain legal protections and can increase exposure to employee lawsuits. Active construction, hospitality, and service industries in metros from Miami-Dade and Tampa to Houston and Dallas make this a frequent conversation for business owners in either state. A licensed agent can help confirm what applies to your specific business and industry classification.
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This information is for general educational purposes only and does not replace policy documents, legal advice, or personalized insurance guidance. Coverage options may vary by carrier, policy, state, underwriting, exclusions, limitations, and individual circumstances.
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Quick answers to the questions we hear most often.
It depends on the state. Florida generally requires it once a business reaches certain employee thresholds — construction businesses face a lower threshold than most other industries. Texas is different: most private employers can choose whether to carry it at all, though opting out (becoming a “non-subscriber”) removes certain legal protections. A licensed agent can help confirm what applies to your specific business and state.
Often Coordinated Together