Cover your Florida business in a few clicks.

Simple process. Affordable price. 115+ industries & growing.

Florida Businesses We Cover with Workers’ Comp Insurance

Florida Businesses We Cover with Workers' Comp Insurance

Food & Beverage

Bars, Bistros, Cafeterias/Buffets, Candy Stores, Caterers, Coffee Shops, Doughnut Shops, Fast Casual, Fast Food, Fine Dining, Health Supplement Stores, Juice Shops, Tea Houses, Taverns and Nightclubs

Get a Free Quote
Tech Services

Data Processing, Ecommerce, Hosting, Graphic Design, Network Installation/Repair, Office Machine Installation/Repair, Programming, Strategy & Management Consulting Services, and Software/Web Development (includes SOLOpreneuers!)

Get a Free Quote
Legal Services

Athlete/Actor/Entertainer Agents, Court Reporters, Lawyers & Attorneys at Law, Notaries and Transcription

Get a Free Quote
General Retail

Bakeries, Beer/Wine/Liquor Stores, Butcher/Meat Markets, Convenience Stores/Gas Stations, Discount Stores, Fish, Seafood, Fruit & Vegetable Markets, Grocery Stores, Laundromats, Pet Stores, Pharmacies/Drug Stores, Specialty Food Stores

Get a Free Quote
Educational Services

Computer Training, Cosmetology/Barber Schools, Exam Preparation/Tutoring, Fine Art Schools, Language Schools, Libraries/Archives, Management Training, Professional Training, & Translation/Interpretation Services

Get a Free Quote
Manufacturing

Microbreweries (less than 15,000 barrels produced per year) & Wine Making (no growing or production of grapes/fruit)

Get a Free Quote
Personal Services

Barber Shops/Salons, Cemeteries/Mausoleums, Crematoriums, Funeral Homes, Interior Design, Pet Kennels/Groomers, Photography/Photofinishing, Gyms, Nail Salons, Self-Storage, Tanning Salons, Tattoo/Piercing, and Wedding/Event Planners

Get a Free Quote
Clothing Retail

Bridal Stores, Clothing Stores, Dry Cleaners, Formal Wear/Costume Rentals, Luggage & Leather Goods Stores, Shoe Retail/Repair, and Tailor Shops

Get a Free Quote
Personal Product Retail

Art Galleries/Stores, Auto Parts, Beauty/Cosmetics, Bike Stores, Bookstores, Camera/Photo Supplies, Cell Phone Retail/Repair, Computer Stores, Jewelry Stores, Musical Instruments, Sporting Goods , Tobacco/Vaping & Video Games

Get a Free Quote
Medical Professions

Blood Banks, Dental Labs, Dentists/Orthodontists, GP/Medical Specialists, Kidney Dialysis Centers, Medical Diagnostics & Testing, and Veterinarians

Get a Free Quote
Architecture & Engineering Services

Architects & Drafting, Engineering, Surveyors, & Window Treatment Stores (we do not cover construction contractors or trucking companies)

Get a Free Quote
Financial Services

Accounting, Auditors, Banks/Credit Unions, Bookkeeping, Collection Agencies, Financial Advisors/Trust Companies, Mortgage & Loan Brokers, Payroll Services, Tax Preparation, Title & Title Insurance

Get a Free Quote
Scientific Services

Scientific Research & Development/Consulting, Technical Consulting, & Environmental Consulting

Get a Free Quote
Office, Home, & Garden

Hearing Aid Stores, Hobby/Craft/Art Stores, Gift/Novelty Stores, Florists, Floor Covering Stores, Mailing/Packaging Stores, Models/Toy/Games, Office Supplies, Optical Stores, Paint/Wallpaper Stores, Perfume Stores, Plumbing & Taxidermists

Get a Free Quote
Therapeutic Services

Acupuncture, Chiropractors, Mental Health Practitioners, and Physical & Occupational Therapy

Get a Free Quote

Workers' Compensation for Florida Businesses

All hail the house of the mouse!

The Sunshine State is the location of eight of the top 20 amusement parks on the continent. Florida is the premiere tourism destination in the world with $51 billion generated in revenue and 1.1 million jobs.

With crystal clear water along 663 miles of beaches and the popular Florida Keys, Florida is at the top of tourist’s lists. Big boats mean big business. Cruise ships produce steady income for local small businesses; about 11.5 million annual passengers and crew contribute $1 billion to hotels, restaurants, shops and parking. Florida’s fishermen export their catches all over the country and supply local restaurants with fresh seafood. A whopping 99.8% of Florida businesses are considered small business and employ 42.2% of Floridians. Sure, many are travel and tourism related, but consider the snowbird retirement communities and the landscape companies, medical services and food purveyors that service their needs. Florida is a land of opportunity!

Thank Florida’s long growing season, which is almost all year, to their large agriculture industry employing two million people. From farm workers, to scientists, to office staff, to exporters, these small businesses produce 40% of the world’s orange juice supply and rank second in the nation for greenhouse and nursery products as well as about 80% of our fresh vegetables consumed in the winter months.

Biomed is big business for Florida small businesses, with 6200 companies supporting 87,000 high paying jobs and 46,000 healthcare firms. Happening now are innovations in new treatments, naturals, generics and over the counter medications, and Florida ranks second in the nation for medical device manufacturing. From prehistoric shark tooth hunting in Venice, to fishing the BIG bass in Lake Okeechobee, Florida small businesses take care of locals and tourists alike with great experiences and memories. Workers’ comp insurance is required in Florida.

Cerity protects your team from the unexpected at the workplace, from a wild “pet” alligator to slips on the break room floor caused by those freshly squeezed Florida oranges.

Florida Statistics*

*2017 business stats provided by the Bureau of Labor Statistics

3.3 million+

number of Arizonans employed by small businesses


92,400

number of workplace injuries


1.3 million

estimated number of alligators


2 million

pounds of shrimp harvested annually at Amelia Island


1,000

number of sunken shipwrecks near the Florida Keys


Explore commonly asked questions about business type, industry and state.

To put it simply, your business is covered. Just like that.In most cases, all of your employees are covered by workers' compensation insurance, including subcontractors (given they provide you a Certificate of Insurance). However, a Certificate of Insurance (COI) isn't a guarantee of coverage (policy may have cancelled since issuance). You should request periodic COIs throughout the contract.
Workers' compensation insurance provides all state required benefits, including reasonable and necessary medical treatment and wage replacement, for employees injured in the course and scope of employment.
In most states, it’s required for small business owners to obtain workers’ compensation coverage. In the event that an employee is injured in the course and scope of your employment, workers' compensation insurance protects you from costly lawsuits and provides state required compensation for the employee, including lost wages and medical expenses.
The estimated premium is based on estimated payroll (at the beginning of the policy). The final premium is based on actual payroll (at the end of the policy) for the policy period (usually 12 months). In the event your payroll changes, we'll work with you on adjusting your policy.
Yes, the workers' compensation policy covers all of your employees. Significant changes to your payroll should be reported to Cerity. This will help mitigate having a large additional premium due at the end of your policy period.
Cerity is a data-services company that is a licensed insurance producer that provides comprehensive workers' compensation insurance for American businesses. In less than five minutes, a small business owner can have a quote and can be protected as soon as the next day. In other words, your business is covered. Just like that. We are backed by Employers Holdings, Inc., a workers' comp industry veteran of over 100 years, EHI is reimagining how to purchase workers compensation insurance.
You do not need any documents to apply - we told you it was simple! All you need to obtain a quote is tell us a few quick things about your business and we should be able to get you a quote.