Fort Myers, Cape Coral and Naples Workers Compensation

Fort Myers, Cape Coral & Naples Workers Compensation Insurance As a business owner, you understand that your  businesses most valuable asset are its employees. With a properly implemented workers’ compensation insurance policy you can achieve peace of mind knowing your business and your employees are protected from what can often be devastating on the job injuries.

At Lott & Gaylor we have a wide range of workers comp insurance companies to fit the needs of any size business with many flexible payment and dividend options. Too often, many businesses are surprised to find that their employees were incorrectly classified when their policy was written – this often results in costly audits that can cause financial hardships if reserves aren’t adequately maintained for the unforeseen additional cost.

We are capable of auditing your current policy class codes and make certain you’re not paying more than you should. Partnering with an agent that has experience  in Florida workers’ compensation is your first step in ensuring that your business is fully protected. Let Lott & Gaylor put our expertise to work for you.

Who Needs Florida Workers Compensation?

  • If you are in an industry, other than construction, and have 4 or more employees, full or part-time you are required to carry workers comp coverage (an exempted corporate officer does not count as an employee).
  • If you are in the construction industry, and have 1 or more employees (including yourself), you are required to carry Florida worker comp coverage (an exempted corporate officer or member of LLC does not count as an employee).
  • If you are a state or local government you are required to carry workers comp coverage.
  • If you are a farmer, and have more than 5 regular employees and/or 12 or more other workers for seasonal agricultural labor lasting 30 days or more, you are required to carry Florida workers compensation coverage.

Workplace Safety Credit

This credit is available to employers that have established a certified a workplace safety program that meets with Florida Statute 440.1025

Drug Free Workplace Credit (5%)

This credit is available to employers who have established a certified a drug-free workplace in accordance with Florida Statute 440.102

FCCPAP (5 – 25% for qualifying class codes)

FCCPAP is an acronym for the Florida Contracting Premium Adjustment Program. This program allows for credits for qualifying employers engaged in certain contracting operations. The premium adjustment will be based on a calculation the average hourly pay for the qualifying construction classes.