Workers’ compensation may help pay medical costs and part of lost wages when an employee is hurt on the job, and it generally protects the business from being sued over that injury. Dupuy Insurance writes workers’ compensation for businesses in Florida and Texas, from one-person contractors to growing companies.
Who must carry it in Florida
- Construction: employers with one or more employees.
- Other industries: employers with four or more employees.
- Agriculture: employers with six regular employees, or twelve seasonal workers who work more than 30 days in a season.
Owners who are corporate officers or LLC members count toward these numbers. Eligible officers may apply to the state for an exemption for themselves; employees still need coverage. Requirements are set by the Florida Division of Workers’ Compensation, and we’ll help you confirm what applies to your business.
How Texas is different
Texas lets most private employers choose whether to carry workers’ compensation. Employers who don’t carry it lose important legal defenses if an injured employee sues, and they have filing and notice duties with the state. Many general contractors and public contracts also require it. We can explain the trade-offs and quote coverage.
What affects the premium
Premiums are based mainly on payroll and the job classification of each employee, adjusted for your claims history (the experience modification) where it applies. Getting the classifications right from the start matters, because the policy is audited after it ends.
Why request your quote through Dupuy Insurance
- Contractors welcome: we work with trades and construction businesses every day.
- Harder-to-place risks: access to specialty markets when a standard carrier declines.
- Certificates when you need them: for general contractors and job sites.
- One agency for your business coverage: workers’ comp alongside general liability, commercial auto (Florida) and surety bonds.
Call (813) 447-7534, Monday to Sunday, 7:30 AM to 7:30 PM, or request a quote online. Have your payroll by job type and the number of employees ready.
Common questions
Do subcontractors need their own coverage?
In Florida construction, uninsured subcontractors’ workers can become the hiring contractor’s responsibility, so contractors usually ask subs for proof of coverage or an exemption. We can help you collect and review certificates.
What happens at the audit?
After the policy term, the carrier compares your actual payroll with the estimate. If payroll was higher, you may owe more premium; if lower, you may get a credit.
Workers’ compensation quotes are for businesses in Florida and Texas. Coverage is subject to eligibility, underwriting and policy terms.