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Florida Workers Compensation

Workers Comp Insurance

Workers’ compensation coverage pays for medical care and physical rehabilitation of employees injured at work and helps to replace lost wages while they are unable to work. Additionally, this coverage protects an employer from being sued by an injured worker in most cases.

Augustyniak Insurance Group can help your business find complete solutions to your unique workers compensation insurance needs. We’ll find solutions that create safer and more productive workplaces, more confident and secure workers, and overall savings that you'll see on the bottom line.

Coverage for office workers using their own vehicles on company business is often needed as well. If you have employees, it is critical that you consider workers comp coverage.

What You Need to Know

Some Workers Comp coverage can include:

  • Innovative payment systems
  • Medical disability case managers
  • Utilization management nurses
  • Certified life care planning nurses
  • Vocational rehabilitation consultants
  • Physician consulting services
  • Legal staff
  • Contracts with medical network providers
  • Managed prescription drug program

To find out more about Florida workers comp insurance and other business insurance products and services, contact us today.


What’s a class code?

To standardize workers compensation insurance, a centralized rating bureau (NCCI) looked at thousands of different jobs and industries. They classified similar jobs together into class codes (a 4 digit number).  A class code includes a description of employee job duties found in each class code. 

  • Every worker in Florida falls under a class code.
  • Your business can have multiple class codes used when different workers performing different tasks.  
  • NCCI assigns a cost or rate for each class code. The published rate is always per $100 of payroll.
  • Premiums for workers performing low risk jobs are less than workers performing riskier job duties. 
  •  All insurance companies use the same NCCI class code rates in Florida.  So, There is no rate difference between Florida workers comp insurance companies.

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