The Hartford is the best workers' comp insurance provider in Florida with strong claims performance and competitive monthly rates averaging $84 per employee. ERGO NEXT ranks second with the same average monthly rate of $84. The Hartford leads on claims performance, while ERGO NEXT leads on buying experience. The $36 spread to Progressive Commercial shows that Florida's rate range is meaningful for employers willing to compare options.
Best Workers' Comp Insurance in Florida (2026)
With rates starting at $9 monthly, The Hartford and ERGO NEXT offer the cheapest and best workers' comp insurance in Florida.
With our tool, you can get matched to top Florida workers' comp insurance providers and find your ideal coverage.
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Updated: October 1, 2026
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Best Workers' Comp Insurance Companies in Florida
| The Hartford | 4.49 | $84 | 3 | 3 |
| ERGO NEXT | 4.39 | $84 | 1 | 6 |
| biBERK | 4.18 | $91 | 8 | 8 |
| Coverdash | 4.18 | $99 | 5 | 1 |
| Nationwide | 4.15 | $93 | 6 | 5 |
| Simply Business | 3.87 | $116 | 2 | 2 |
| Hiscox | 3.84 | $110 | 6 | 10 |
| Thimble | 3.79 | $102 | 9 | 9 |
| Chubb | 3.71 | $133 | 4 | 4 |
| Progressive Commercial | 3.58 | $120 | 9 | 7 |
MoneyGeek analyzed workers' comp insurance rates and provider performance across Florida using small business profiles with one to four employees spanning 408 major industries. Companies earn up to five points in each category in our scoring system. We then use a weighted average of these category scores to calculate a MoneyGeek score out of five.
- Affordability (55%): Based on average payroll for the most common employee code per industry and state classification, priced per employee for a one to four employee business.
- Customer Experience (35%): Evaluates buying (20%), which covers quote access, pricing accuracy and sales support; policy management (30%), which covers payroll reporting, audits, billing and loss control; and claims (50%), which covers FNOL speed, adjuster support, medical access, wage replacement and dispute handling.
- Coverage Options (10%): Assesses coverage completeness (35%), including employers' liability and wage and medical reimbursement; policy flexibility and endorsements (25%); eligibility, state and industry breadth (20%); and policy terms, limits and exclusions (20%).
The Hartford
Best Workers' Comp Insurance in Florida
MoneyGeek Rating
4.5/ 5
4.8/5Affordability Score
4.1/5Customer Experience Score
4.5/5Coverage Score
Average Monthly Cost
$84Claims Processing Score
4.1/5Policy Management Score
4/5Buying Process Score
4/5
ERGO NEXT
Best Florida Workers' Comp Insurance: Runner-Up
MoneyGeek Rating
4.4/ 5
4.7/5Affordability Score
4.4/5Customer Experience Score
3.8/5Coverage Score
Average Monthly Cost
$84Claims Processing Score
4/5Policy Management Score
4.1/5Buying Process Score
4.4/5
Cheapest Workers' Comp Insurance in Florida
The Hartford is the most affordable workers' compensation insurer in Florida across 14 of the 25 industry categories we reviewed in the state. Its pricing advantage is strongest in low-risk office and service categories, where rates run as low as $9 per month for Financial Services and $11 for Beauty, Body & Wellness Services. ERGO NEXT wins four categories, all with elevated physical risk, including Agriculture & Natural Resources ($137 a month), Construction & Contracting ($201 a month), Recreation & Sports ($94 a month) and Repair & Maintenance ($62 a month). biBERK takes the remaining seven industries, with its most notable position in Transportation & Logistics at $255 per month, the highest rate in our entire dataset.
| Agriculture & Natural Resources | ERGO NEXT | $137 | $1,644 |
| Arts, Media & Entertainment | biBERK | $78 | $936 |
| Beauty, Body & Wellness Services | The Hartford | $11 | $132 |
| Childcare Services | biBERK | $28 | $336 |
| Cleaning Services | The Hartford | $93 | $1,116 |
| Construction & Contracting | ERGO NEXT | $201 | $2,412 |
| Consulting Services | The Hartford | $13 | $156 |
| Education | ERGO NEXT | $56 | $672 |
| Financial Services | The Hartford | $9 | $108 |
| Fitness Services | biBERK | $53 | $636 |
| Food & Beverage | biBERK | $35 | $420 |
| Healthcare & Medical | The Hartford | $34 | $408 |
| Hospitality, Travel & Tourism | The Hartford | $32 | $384 |
| Manufacturing | The Hartford | $113 | $1,356 |
| Marketing & Communications | The Hartford | $12 | $144 |
| Nonprofit & Associations | The Hartford | $44 | $528 |
| Other Professional Services | The Hartford | $18 | $216 |
| Pet Care Services | biBERK | $51 | $612 |
| Real Estate & Property Services | The Hartford | $15 | $180 |
| Recreation & Sports | ERGO NEXT | $94 | $1,128 |
| Repair & Maintenance | ERGO NEXT | $62 | $744 |
| Retail & Product Rental | The Hartford | $39 | $468 |
| Tech/IT | The Hartford | $28 | $336 |
| Transportation & Logistics | biBERK | $255 | $3,060 |
| Wholesale & Distribution | biBERK | $153 | $1,836 |
How to Get the Best Workers' Comp Insurance in Florida
You'll have a lot of decision points before you can get workers' comp insurance. Our guide helps you get through these moments and puts you in a better position to find a provider and a policy that fits your needs best.
- 1
Confirm Florida Coverage Requirements
Florida's requirements for workers' comp coverage depend on your industry. Construction businesses generally need coverage once they have one or more employees. Non-construction businesses hit that threshold at four employees. Separate rules apply to agricultural employers. Eligible business owners may also obtain exemptions. Confirm where your business falls before buying a policy.
- 2
Identify Your NCCI Class Codes
Florida uses NCCI class codes to match business activities with their level of workplace risk. Go over how your operations and payroll are classified, especially if employees perform different types of work. Incorrect codes can distort your quote. They can also trigger a premium adjustment after an audit.
- 3
Document Payroll, Employee Count and Claims History
Gather payroll by class code and your current employee count, then pull your prior loss runs. Include part-time and seasonal workers, as well as corporate officers or LLC members who have not obtained an exemption. Send every insurer the same information to keep the resulting quotes consistent with each other.
- 4
Request Quotes From Multiple Licensed Florida Carriers
Pricing and underwriting requirements vary among Florida insurers, so compare business insurance quotes from several licensed companies. The state's Coverage Assistance Program can help identify insurers writing your type of business. If an agent cannot place your coverage in the voluntary market, the FWCJUA may be an option.
- 5
Compare Quality, Not Just Price
Florida generally requires non-emergency medical treatment to receive carrier authorization. Look for an insurer that authorizes treatment quickly and keeps medical providers accessible. Responsive claims support is just as important. Delays in any of these areas can keep an injured employee away from work longer. A low premium loses its value when that happens.
- 6
Complete the Purchase and Set Up Payroll and Audit Reporting
Confirm the policy's effective date before coverage begins. Set up payroll tracking by class code at the same time. Once the policy is active, verify it appears in Florida's Proof of Coverage database. Post the required workers' compensation notice somewhere employees can see it.
- 7
Review at Annual Renewal
Before renewal, reconcile estimated payroll with actual figures. Watch for changes in staffing, job duties or subcontractor use as well. Go over the audit results. Confirm that any owner exemptions remain current. Updated records help prevent unexpected charges. They also give you accurate information when you evaluate carriers again.
Best Workers' Compensation Insurance in Florida: Bottom Line
The Hartford and ERGO NEXT are Florida's two strongest workers' comp options, tied at $84 per employee per month, per MoneyGeek's analysis. The Hartford leads on claims performance and coverage score, making it the better fit for Florida employers in professional services and construction who expect to file claims. The insurer, ERGO NEXT offers the best buying experience and is more cost-competitive for education, agricultural and recreational industries.
WANT TO LEARN MORE ABOUT OTHER BUSINESS INSURANCE TYPES?
Workers' comp is only one part of commercial insurance that you likely need. Check our other resources for business insurance in Florida below to ensure you have comprehensive coverage:
Florida Workers' Compensation Insurance FAQ
The Hartford leads Florida with the top MoneyGeek score and ties ERGO NEXT for the cheapest average monthly rate at $84.
- The Hartford: $84 a month
- ERGO NEXT: $84 a month
- biBerk: $91 a month
- Nationwide: $93 a month
- Coverdash: $99 a month
Florida workers' comp requirements vary by industry. Construction employers must cover any worker if they have one or more employees; non-construction employers must cover workers once they have four or more employees. Agriculture has its own thresholds. The Florida Division of Workers' Compensation under the Department of Financial Services oversees compliance. Willful non-compliance carries substantial civil penalties and stop-work orders.
The average workers' comp cost in Florida is $103 monthly per employee. The state's most affordable industries are Beauty/Body & Wellness ($15 a month), Financial Services ($15 a month), and Marketing ($16 a month). Construction ($287 a month) and Transportation & Logistics ($313 a month) are the most expensive.
Florida is a competitive private market. Employers can get workers' compensation insurance through voluntary market carriers. Employers who can't secure voluntary market coverage may access the Florida Workers' Compensation Joint Underwriting Association (FWCJUA), the state's insurer of last resort. The Florida Division of Workers' Compensation administers compliance requirements and the carrier approval process.
Florida workers' comp insurance addresses four core areas:
- Medical expenses: Covers all medically necessary treatment for work-related injuries. Florida requires employers to designate an authorized treating physician and use managed care arrangements where applicable.
- Wage loss benefits: Provides temporary total disability payments at 66⅔% of the employee's average weekly wage, subject to the maximum weekly benefit established annually by the Florida Division of Workers' Compensation.
- Vocational rehabilitation: Delivers reemployment services for workers who cannot return to their pre-injury position, including retraining and job placement assistance.
- Death benefits: Covers burial expenses up to a state-set limit and provides weekly compensation to qualifying dependents of workers whose death results from a work-related injury.
About Angelique Palenzuela-Cruz
Angelique Palenzuela-Cruz is a Business Insurance Content Writer at MoneyGeek, where she specializes in general liability, workers’ compensation and professional liability insurance. Her work helps small business owners understand how these policies apply to coverage, including risks like customer injuries, employee injuries, professional mistakes, client contract terms and industry-specific coverage requirements.
She primarily covers service-based businesses where liability and employee coverage decisions are especially important, including cleaning, consulting, beauty and wellness, childcare, education, fitness, food service, pet care, repair and maintenance, and other professional services.
Before joining MoneyGeek, Angelique spent nearly 12 years at Guthrie-Jensen Consultants, one of Southeast Asia’s largest management training firms, where she advanced from Training Consultant to Managing Consultant. In that role, she worked with business clients to assess operational needs, develop training programs and present performance analyses to executive decision-makers. She also helped establish Gladwin Training Consultancy, where she served in learning solutions and client service roles.
Her background gives her practical context for writing about how businesses operate, manage client expectations, structure teams and make risk decisions. At MoneyGeek, she applies that experience to business insurance content, connecting coverage to actual business needs.
LinkedIn: linkedin.com/in/ma-angela-cruz
Email Contact: angelique.palenzuela@moneygeek.com