Florida Workers' Comp Insurance for Hospitality and Hotels

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

Policies for Hotels, Golf Clubs and Resorts

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Why do Hospitality Businesses in Florida need
Workers' Compensation Insurance?

Comply with state laws

Avoid fines

Protect your employees

Protection from lawsuits

...'cause they can get hurt

Running a hospitality business in Florida comes with unique challenges, especially with the seasonality of workers during peak vacation times. From poolside accidents to kitchen injuries, your employees are exposed to risks year-round.

Workers’ compensation insurance protects your staff if they get injured on the job and helps shield your business from costly medical expenses and potential lawsuits. Ensure your hospitality business is covered when things don’t go as planned.

Common Hospitality injuries

Slips and falls – Wet floors in bathrooms, showers, or bathtubs can be very slippery
Strains and sprains – Lifting mattresses, pushing carts, or awkward movements can cause injury
Chemical exposure – Extended use of cleaning products can lead to chemical burns or respiratory problems
Repetitive motion injuries – Tasks like wiping down surfaces or using hand-pump bottles can lead to repetitive strain injuries
Stress and trauma – Workplace pressure and job stress can cause injuries like bruises, fractures, or mental fatigue

Workers' Comp for Hospitality Businesses in Florida: Legal Requirements

In Florida, hospitality businesses, including hotels and resorts, with four or more employees are required by law to carry workers' compensation insurance. Failure to comply can lead to severe penalties, such as stop-work orders and fines.

Learn more about Florida Workers' Compensation Rules here.

Common types of Hospitality workers we can insure in Florida

Bed and Breakfasts

Golf Clubs

Hotels and Motels

Vacation Resorts

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 Hospitality Business 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 Hospitality 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 Hospitality Businesses in Florida cost per month?

The average cost of workers' compensation insurance for hospitality businesses in Florida is $1.84 per $100 of payroll. This translates to approximately $77 per month per employee, based on average payroll.

However, rates can vary depending on factors such as the size of your payroll and your company’s claims history. For more detailed information on how workers' compensation rates are determined for the hospitality industry, check out our guide: Workers' Comp Rates for Hotels.

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 Hospitality

**Most states follow these NCCI codes. For more details on class codes, or to see if your state is one of the few that uses different codes, visit this detailed guide: Workers’ Comp Class Codes for Hotels

9052 - Hotel: All Other Employees & Salespersons, Drivers

9058 - Hotel: Restaurant 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 Hospitality 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.

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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.

Start an instant quote now

Helpful tips to save money

Choosing hospitality business 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 Hospitality Business 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 Hospitality Business Workers’ Compensation Audit Checklist can help.

FAQ's on Workers' Comp for Hospitality Businesses in Florida

My hotel is extremely popular in the winter months and slower in the summer. How can I avoid paying high premiums when I have fewer workers during slow months?

A pay-as-you-go workers' compensation policy might be a good option for you. This allows you to adjust your payments based on your actual payroll. However, pay-as-you-go isn’t ideal for every business. Read our pay-as-you-go workers' comp blog before deciding if it's the right choice.

I subcontract work like maintenance and cleaning for my vacation rentals. Does that need to be included in my workers' comp policy?

If you're subcontracting services, make sure to collect Certificates of Insurance (COIs) from your subcontractors. Even though 1099 workers don’t need to be on your workers' comp policy, if they don’t have their own insurance, you could be held liable for any injuries.

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Why use Kickstand to
get workers' comp insurance?

Speed + Service + Experts

Document with workers' comp for Hospitality Business 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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