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Florida Workers' Comp Insurance for Physicians

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

Policies for Doctor’s Offices, Urgent Care and Outpatient Clinics

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Why do Physicians in Florida need
Workers' Compensation Insurance?

Comply with state laws

Avoid fines

Protect your employees

Protection from lawsuits

...'cause they can get hurt

Florida physicians face daily challenges, whether in their offices or making hospital rounds. Workers' comp insurance protects your employees and ensures compliance with state regulations, safeguarding your practice from medical expenses and potential lawsuits.

Common Physician injuries

Infection risks - frequent patient interactions increase exposure to pathogens
Needlestick injuries - from improper handling of sharps
Slips and falls - from cluttered walkways or wet floors in clinics
Stress-related disorders - chronic stress from high-pressure roles
Muscle strain - from long hours in static positions

Workers' Comp for Physicians in Florida: Legal Requirements

Physicians in Florida must carry workers' compensation insurance if they employ four or more workers. This includes medical and administrative staff. Learn more about Florida Workers’ Compensation Rules here.

Common types of Physician workers we can insure in Florida

Medical Clinics

Physician Assistants

Private Practice Physicians

Urgent Care Centers

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 Physician 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 Physician 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 Physicians in Florida cost per month?

Workers' compensation for physicians in Florida is approximately $9 per employee each month in 2025, with rates set at $0.27 per $100 of payroll, plus taxes and fees. Find out more in Workers’ Comp Rates for Physicians 2025.

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 Physician

Here are the main categories for classifying injuries for physicians. For more details, visit our guide: Workers’ Comp Class Codes for Physicians.

8832 - Physicians and Clerical

8832 - Medical Offices or Clinics

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 Physician 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.

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Helpful tips to save money

Choosing physician workers' compensation 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 Physician 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 Physician Workers’ Compensation Audit Checklist can help.

FAQ's on Workers' Comp for Physicians in Florida

If I hire phlebotomists or contractors, are they covered?

Contractors must have their own workers' comp insurance. If they don’t, their wages must be added to your policy.

I make rounds at the hospital. Am I covered under my workers' comp policy?

Yes, making hospital rounds is considered part of your standard duties as a physician and is covered under your workers' comp policy.

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Why use Kickstand to
get workers' comp insurance?

Speed + Service + Experts

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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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