Workers Compensation

Get a Workers Compensation Quote

A frequent question employers have is whether they need to carry workers compensation insurance for their business. That’s understandable, as workers compensation requirements vary from state to state, as well as by industry, number of employees and employment status.

Florida & Georgia Workers Compensation Quotes

Florida employers are required to carry workers compensation insurance coverage if:

  • The company employs four or more full-time or part-time employees (excluding exempt corporate officers) and is not engaged in construction or farming 
  • The company is in the construction industry and employs one or more employees (excluding exempt corporate officers and members of a limited liability corporation) 
  • The company is in the farming industry and employs at least six regular employees (full-time or part-time) and/or 12 seasonal workers for more than 30 days 

If you still have questions, or if you know you need coverage and want a Florida workers compensation quote, talk with an agent at Southern Financial Insurance Group. As an independent insurance agency, Southern Financial works with many different carriers to help our business clients obtain competitive quotes for all their business insurance needs. 

Have Your Workers Comp Rates Skyrocketed?

Your company’s workers compensation premium is based on the frequency of claims and the severity of injuries suffered by employees in your company, as well as your industry. Even if your company has a stellar safety record, you may still experience unavoidable premium increases because of safety problems within your industry. 

There may be ways to reduce your workers compensation costs. Errors can creep into your employment and claim records, skewing your company’s insurance record and raising your premiums. We can help you access that record for review in order to ensure that the National Council on Compensation Insurance (NCCI) is correctly determining your company’s experience modification factor when it determines the rate you should pay.

Contact Us for a Workers Compensation Quote

Southern Financial Insurance Group assists business clients in communities along the Florida Panhandle, Central Florida, and North Florida, including Monticello, Madison, Crawfordville, Quincy, Havana, Midway, Thomasville, Fern Park, Fairview Shores, Oak Ridge, and St. George Island. We are also a Georgia work comp insurance company, helping clients in Bainbridge, Valdosta and other communities in South Georgia. Request a workers compensation insurance quote. Contact us online or call 850-521-3075 (local)/866-388-6691 (toll-free). For more information on the Florida Workers Compensation Division visit their website at

© Southern Financial Insurance Group, LLC 2017