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Workers Compensation

The workers Compensation Insurance protects the business employees from accidents or incidents caused at the workplace causing personal bodily injury.


Workers' compensation is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue his or her employer for the tort of negligence. The tradeoff between assured, limited coverage and lack of recourse outside the worker compensation system is known as "the compensation bargain."


While plans differ among jurisdictions, provision can be made for weekly payments in place of wages (functioning in this case as a form of disability insurance), compensation for economic loss (past and future), reimbursement or payment of medical and like expenses (functioning in this case as a form of health insurance), and benefits payable to the dependents of workers killed during employment (functioning in this case as a form of life insurance).



In Florida this insurance is mandatory for Construction Companies that hire employees or for Offices (Non-Construction Classifications) that have over 4 employees working . Most Small business are allowed by law to apply for 3 Workers Compensation Exemption for the business owners/partners.


Since in Florida the rates, terms and conditions could change without notice, for more information you must always be referred to the “Florida Department of Financial Services" website to get a full disclosure on this policy.

Florida Department of Financial Services

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Morning Star Insurance Agency.


Morning Star Insurance Agency, is an independent insurance agency, established on December of 2009, by CEO & Founder Fred Costa. Learn More

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