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Florida Workers' Comp Insurance for Therapists

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

Policies for Physical Therapists, Occupational Therapists, and Mental Health Counselors

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Why do Therapists in Florida need
Workers' Compensation Insurance?

Comply with state laws

Avoid fines

Protect your employees

Protection from lawsuits

...'cause they can get hurt

Therapists in Florida face a mix of office-based and traveling work. Workers' comp insurance ensures that your employees are covered, whether they’re at your office or visiting clients, keeping your practice safe and compliant.

Common Therapist injuries

Slips - From cluttered or slippery office spaces
Repetitive stress - Performing repetitive tasks may strain hands or wrists
Back injuries - Poor posture during sessions may lead to discomfort
Emotional stress - High client demands can contribute to burnout
Joint strain - Overuse of hands or arms may cause discomfort

Workers' Comp for Therapists in Florida: Legal Requirements

Therapists in Florida must carry workers' compensation insurance if they employ four or more workers. Non-compliance can lead to stop-work orders and fines. Learn more about Florida Workers’ Compensation Rules here.

Common types of Therapist workers we can insure in Florida

Mental Health Counselors

Occupational Therapists

Physical Therapists

Speech Therapists

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 Therapist 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 Therapist 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 Therapists in Florida cost per month?

Therapists in Florida pay about $9 per employee monthly for workers' compensation in, calculated using a rate of $0.27 per $100 of payroll, plus taxes and fees. For details, visit Workers’ Comp Rates for Therapists.

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 Therapist

Here are the main categories for classifying injuries in the therapy industry. For more details, visit our guide: Workers’ Comp Class Codes for Therapists.

8832 - Physical Therapists and Occupational Therapists

8832 - Speech Therapists

8832 - Mental Health Specialists

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 Therapist 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 therapists 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 Therapist 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 Therapist Workers’ Compensation Audit Checklist can help.

FAQ's on Workers' Comp for Therapists in Florida

Are 1099 therapists required to be included in my workers' comp policy?

If 1099 therapists lack their own workers' comp insurance, their wages must be added to your policy.

Do self-employed therapists need workers' comp coverage?

Technically, self-employed therapists are not required to carry workers' comp. However, many companies require that you have a workers' comp policy in place before they reimburse you for the work you perform.

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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

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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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