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Florida Workers' Compensation for Consultants

Name: Workers' Compensation Insurance for Consultants in Florida
Brand: Kickstand Insurance
Rating: 5 (37 reviews)

Workers' comp policies for finance, business, tech professionals, and consultants.

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Why do Consultants in Florida need
Workers' Compensation Insurance?

Comply with state laws

Avoid fines

Protect your employees

Protection from lawsuits

...'cause they can get hurt

Consultants in Florida—whether in accounting, tech, HR, or business coaching—face unexpected challenges. While consulting isn’t typically seen as high-risk, accidents can happen.

From navigating unfamiliar office spaces to meeting tight deadlines that lead to repetitive strain injuries, having workers’ compensation insurance ensures peace of mind. It provides protection for your employees and shields your business from costly medical expenses or lost wages if an accident occurs.

Common Consultant injuries

Trips and falls – Hazards like cords or uneven floors can cause injuries like sprains or fractures.
Repetitive motion injuries – Constant typing and mouse use can strain hands and wrists.
Screen fatigue – Too much screen time often leads to sore eyes and headaches.
Machinery mishaps – Working with equipment can lead to minor cuts or bruising.
Road accidents – Driving to client meetings comes with the risk of crashes and injuries.

Workers' Comp for Consultants in Florida: Legal Requirements

In Florida, consulting businesses with four or more employees are required by law to carry workers' compensation insurance. This includes part-time and full-time staff, such as administrative assistants, tech specialists, or HR coordinators.

Failure to comply with these requirements can result in significant penalties, including stop-work orders and fines. Learn more about Florida Workers' Compensation Laws here.

Common types of Consultant workers we can insure in Florida

Accounting and Finance

Coaches

IT and Support Technicians

Insurance Companies

Don't see your business classification?
‍We're here to help. Call 866-338-8823.

What type of injuries does
Workers' Comp Insurance cover?

Workers' comp insurance covers both the employer and the injured worker. Like all types of insurance, it acts as a safety net in case of an accident.

If a worker gets hurt on the job, the insurance company will help cover the costs associated with their care so the worker is well taken care of until they return to work.

Since the company had an active Consultant workers' comp policy, they do not need to pay anything towards the bills.

Workers' comp insurance provides protection to both the employer and the injured worker. Like other types of insurance, it’s there to help in the event of an incident.

If a worker gets hurt on the job, the insurance company will help pay for the costs associated with their care so the worker is provided for until they return to work.

Since the company had an active workers' comp policy, they are not responsible for paying the medical bills.

What will Consultant Workers' Comp Insurance pay for?

Medical expenses
Rehab and therapy costs
A percentage of lost wages
Disability benefits
Funeral cost

How much does Workers' Comp Insurance
for Consultants in Florida cost per month?

The average workers' compensation rate for consultants in Florida is $0.11 per $100 of payroll, which equals approximately $10 per employee each month, excluding taxes and fees.

However, your actual costs may vary depending on factors like payroll size and claims history. For more detailed information about workers' compensation costs for consulting businesses, check out our guide: Workers’ Comp Costs for Consultants.

What's the cost based on?

The National Council of Compensation Insurance (NCCI) sets a fixed rate for every industry in Florida.

The rate is based on the level of risk for that job description.

Premiums are primarily calculated by using your payroll numbers and your NCCI class code.

Common Classifications for Florida Consultant

For more details on class codes, visit this detailed guide: Workers' Compensation Class Code for Consultants

8810 - Accounting and Finance

8810 - IT and support

8720 - Inspection of Risks for Insurance or Valuation Purposes

8720 - Safety Consultant

8720 - Insurance Inspector, Claims Adjuster

8721 - Real Estate Appraisal Company

8723 - Insurance Companies

8820 - Attorney’s Office

8855 - Banks And Trust Companies - All Employees

Don't see your business classification?
We're here to help. Call 866-338-8823.

How to get Workers' Comp Insurance in Florida

Getting workers' comp insurance in Florida is a straightforward process. Business owners can purchase coverage through any licensed insurance agent operating within the state.

However, not all agents offer workers' comp insurance, so it's essential to compare potential policies to ensure you're getting the right coverage for your Consultant business.

Kickstand Insurance offers a streamlined process to help you compare quotes and choose a policy that fits your business needs. Start by filling out our Instant Quote form for a fast estimate.

Get an Instant Quote Today!

Ensure your company is fully protected. Get a hassle-free workers' comp quote in just 10 minutes with Kickstand Insurance and protect your business, your employees, and your bottom line.

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Helpful tips to save money

Choosing consultant workers' comp insurance services may sound simple, but doing it wrong can be very costly.

Here’s how to save money:

Classify your workers correctlyFor example - Employees who do clerical work have a different code (8810). Lumping them together with manual labors will increase your premium.

Don't underestimate your payroll
If your payroll is more than was estimated at the beginning of the policy, it will be discovered at audit and you will be billed for the difference.

Have a clear process to report claims
...and make sure your employees know about it. This will make the entire experience easier for all involved. It can even help keep your costs down!

Report every incident- even if it didn't result in a large injury. Some things which seem insignificant can snowball into costly issues.

Prepare for your audit Every policy is audited at the end of 12 months. Keep your payroll records and files neat so you don't have issues later! Our Consultant Workers’ Compensation Audit Checklist can help.

Prepare for your audit Every policy is audited at the end of 12 months. Keep your payroll records and files neat so you don't have issues later! A Consultant Workers’ Compensation Audit Checklist can help.

FAQ's on Workers' Comp for Consultants in Florida

I own an insurance firm and hire 1099 claims adjusters. Do I need to provide them with workers' comp insurance?

If your 1099 adjusters don’t carry their own workers’ comp coverage, it may be wise to provide it for them. Even if they’re independent contractors, you’re still liable for injuries if they work on your behalf. The best approach is to require them to get their own coverage and provide you with Certificates of Insurance (COIs).

As a claims adjuster in Florida, how can I reduce workers’ comp costs when inspecting roofs after storms and hurricanes?

Roof inspections after storms can be especially dangerous. Using drones and cameras for these inspections is a safer option. It keeps you off the roof, reduces risk, and may even help lower your workers’ comp premiums.

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Learn more about Consultant Insurance

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The Case for Workers’ Compensation Insurance for Consultants

Why use Kickstand to
get workers' comp insurance?

Speed + Service + Experts

Document with workers' comp for consultant insurance quote surrounded by insurance icons

Unlike other online insta-quote systems,
here your quote is reviewed by experts

Why does it matter?

Avoid surprise bills at audit
Make sure all your employees are properly covered
Protect yourself from lawsuits

What do we check?

Business categorized correctly
Employees job roles
Special discount opportunities

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The Ultimate Guide to Workers' Comp Insurance

A Step-by-Step Handbook for Small Businesses - you don't want to skip this!

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The information on this website is not intended to serve as insurance advice. All content provided is for general informational purposes only.
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