Workers Compensation Insurance

Protect Your Business and Employees with Workers Compensation Insurance

As a business owner, your top priority should be ensuring your employees’ safety and well-being. Accidents can still happen, even in the safest workplaces. This is where workers’ compensation insurance comes in. We offer comprehensive insurance coverage for Florida businesses. Our experienced team will work with you to create a customized plan to suit your needs and cover your employees in the event of an accident or injury on the job. Trust us to provide peace of mind and security for your business.

Workers' Compensation Insurance Coverage Options

Medical Benefits

Our workers’ compensation insurance coverage provides medical benefits to employees who are injured on the job. This coverage helps pay for medical expenses, including doctor visits, hospital stays, and rehabilitation services. Our medical benefits coverage ensures your employees receive the necessary medical care to recover and return to work.

Wage Replacement

We understand that employees injured on the job may need time off to recover, which can create a financial burden for both the employee and the employer. Our workers’ compensation insurance coverage provides wage replacement benefits to employees who cannot work due to injury. This coverage ensures that your employees receive a portion of their lost wages, allowing them to focus on their recovery without worrying about their financial situation.

Vocational Rehabilitation

Our workers’ compensation insurance coverage provides vocational rehabilitation benefits for employees who cannot return to their previous jobs due to injuries. This coverage helps employees receive the necessary training and education to find a new job suitable for their current abilities and limitations.

Death Benefits

If an employee dies due to a work-related injury, our workers’ compensation insurance coverage provides death benefits to the employee’s dependents. This coverage helps ease the financial burden on the employee’s family during this difficult time.

Employer's Liability

Our workers’ compensation insurance coverage also includes employer’s liability coverage. This coverage protects your business from lawsuits related to workplace injuries or illnesses that are not covered by workers’ compensation insurance. This coverage helps protect your business from costly legal fees and settlements.

The Benefits of Worker's Compensation

Protection for Employees: 

Workers’ compensation insurance protects your employees if they are injured or become ill due to work-related activities. It covers medical expenses, lost wages, and rehabilitation costs, ensuring your employees receive the necessary care and support to recover.

Legal Protection: 

Workers’ compensation insurance protects you from legal action if an employee is injured or becomes ill while on the job. This insurance coverage ensures that you comply with state and federal laws regarding employee protection.

Financial Security: 

In case of an accident or injury, workers’ compensation insurance provides financial security to employees and employers. It covers the costs of medical bills, lost wages, and other expenses, giving you peace of mind and the ability to focus on your business.

Improved Employee Morale: 

Knowing that their employer cares about their well-being and has their best interests in mind can improve employee morale and productivity. Workers’ compensation insurance shows your employees that you value them and their contributions to your business.

Compliance with the Law: 

Workers’ compensation insurance is mandatory in most states. Choosing Term Brokers Insurance Services for your workers’ compensation coverage ensures that you comply with the law and avoid legal penalties or fines.

Why Choose Term Brokers Insurance?


Our team has years of experience in the insurance industry and specializes in commercial auto coverage. We have the knowledge and skills to assist you. Find the right policy that meets your specific needs.

Comprehensive Coverage

We understand that every business is unique, which is why we offer a wide range of coverage options to protect your vehicles, drivers, and business. From liability and collision coverage to uninsured motorist protection, we have you covered.

Competitive Rates

We work with multiple insurance carriers to find you the most competitive rates possible. We’ll look around on your behalf to find you the best coverage at a price that fits your budget.

Exceptional Customer Service

At Term Brokers Insurance Services, we pride ourselves on providing exceptional customer service. We are determined to being there for you every step of the way, from helping you choose the right policy to answer any questions you may have.

Local Presence

We are a local insurance agency with offices in the community. We understand the unique risks and challenges that businesses in our area face, and we are here to help you navigate them.

Frequently Asked Questions

Workers' compensation insurance is a type of insurance that provides benefits to employees who have been injured or become ill as a result of their job. These benefits may include medical expenses, lost wages, and rehabilitation costs. Workers' compensation insurance protects employers and employees by providing a system for employees to receive benefits without suing their employers.

In most states, employers must have workers' compensation insurance if they have one or more employees. The number of employees required to have workers' compensation insurance varies by state, but it typically ranges from one to five employees. Some conditions may also need specific types of businesses, such as construction companies, to have workers' compensation insurance regardless of the number of employees.

Workers' compensation insurance covers a wide range of job-related injuries and illnesses. This includes sudden injuries, such as a fall or a cut, and injuries that develop over time, such as carpal tunnel syndrome or hearing loss. For an injury or illness to be covered by workers' compensation insurance, it must have occurred due to the employee's job duties.

Workers' compensation insurance premiums are calculated based on various factors, including the business size, the type of work performed by employees, and the business's claims history. Generally, businesses that have a higher risk of employee injuries or illnesses will have higher workers' compensation insurance premiums. To determine the premium, insurance companies use a formula that considers the business's payroll and the risk of injury associated with the type of work performed.

Contact Us Today!

For any inquiries or concerns related to workers’ compensation, don’t hesitate to contact us at Term Brokers Insurance Services. We understand workplace accidents can happen, so we’re here to help. Our team of experts can guide you through filing a workers’ compensation claim and provide the necessary information to ensure you receive the benefits you are entitled to.

If you have questions about our services or would like to request a quote, we invite you to contact us today. You can visit our office at 348 Miracle Strip Pkwy SW Ste 30-A Fort Walton Beach, FL 32548, or call us at 850-864-2000. We are always available to answer any questions and provide you with the support you need. At Term Brokers Insurance Services, we are committed to providing exceptional customer service and helping our clients navigate the complexities of workers’ compensation. Contact us today to learn more.

Ready to Request a Free Quote?