Workers Comp2025-04-03T06:17:16-04:00

Workers
Comp
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Workers Comp Quotes

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Save up to 37% with Fearnow Insurance

Workers’ Compensation insurance is a type of business coverage that is purchased by the employer that provides benefits to the employee in the event of a job-related injury, regardless of who was at fault.  This type of coverage also makes employers immune from some injury lawsuits by employees.

Workers’ Compensation Requirements

Florida law requires all employers to purchase Workers’ Compensation coverage when they have four or more employees – regardless of their full or part-time status.  There are some differences in employee count for certain industries:

  • Construction employers must carry Workers’ Comp insurance if they employ one or more individuals.
  • Farmers with five or more employees and twelve or more seasonal employees must have coverage.
  • All public employees must be offered Workers’ Comp insurance coverage.

What Our Customers Say

I was very pleased with Lydia. She was very patient, helpful, professional, informative and knowledgeable with a sweet personality. She needs transaction and effortlessly. I am thankful.
Lydia Calderon
12:27 22 Aug 25
Brian Fearnow helped this newbie find a suitable and affordable commercial insurance policy. He was patient, helpful, and quick to respond throughout the process. I would recommend 100%!
Elizabeth Gregory
19:52 21 Aug 25
I have received excellent service every time I requested it, 100% recommended.Thank you from D R CORNER CONSTRUCTION CORP
JOSE DANIEL RODRIGUEZ
15:38 20 Aug 25
The commercial team at Fearnow Insurance is always so helpful. Yailyn found savings and always helps answer my questions. She is quick to respond and is full of knowledge. I would recommend Fearnow Insurance to all of my friends and family. We have worked with Fearnow Insurance for over five years and have been so happy with our choice of insurance brokers.
Lanai Lifestyles
14:19 20 Aug 25
I was having trouble with trying to download pictures to send to my insurance provider. They referred me to Kayla. I couldn’t get a better person to help me with my difficulties. She was very calm and walked me through different situations. I had hung up to try them to see them work. While I was trying them she sent another way to get them done. It worked. She went above and beyond to solve my problem. She is an asset represented Fearnow at a high level and made my day.
Gregory Jackson
22:07 04 Aug 25
Joseph Boyle made it fast and easy to understand. He was very efficient at securing the most reasonable quote for me. I highly recommend him.
Henry G
17:51 16 Jul 25
OUTSTANDING COMPANY! I would give it 10 stars if it was an option! We had been getting ripped off by our FORMER insurance company for many years. A friend at work recommend this Fearnow Insurance and Mr. Joe Boyle specifically. Within a few days, Joe not only found us a much better homeowners policy which is saving us over $5000.00 on our premium, he walked us through both policies (car and home) and made some MUCH NEEDED adjustments to our coverages and deductibles to ensure we are covered in case of an emergency. They are definitely experts in this field. We have never felt this comfortable about our insurance coverages and what we are spending on it. This was such an easy process and it's wild how fast we already have new policies. Thank you Joe Boyle!I will definitely be recommending this company to everyone I know.
Marvin Johnson
19:52 08 Jul 25
Great experience. Joe has been working hard to find me great coverage at a good price after my original policy kept increasing. He was able to do that, found me better coverage at a much better rate. I appreciate him working so hard! Highly recommend.
Kenny Collins
19:00 03 Jul 25
Is it even possible to submit a 5 million star review of sales agent, Mr. Joseph Boyle with Fearnow Insurance Inc ? Mr. Boyle is a highly skilled professional and even more remarkable has exceptional interpersonal qualities: very congenial and displays highly caring empathy.In my own case, I recently received a renewal policy correspondence from my former insurance provider indicating that I would be paying over three times as much for car insurance because I purchased a new all electric vehicle. After an in office consultation with Mr. Boyle, he was able to search for a bundled alternative that ended up saving me a considerably large sum of money.If you are considering changes in your insurance coverages, please do not hesitate to contact Mr. Joseph Boyle with Fearnow Insurance Inc. You will be very happy with the results.
William Rind
17:44 03 Jul 25
Kayla Peel worked diligently on my issue. She has gone above and beyond with my claim making sure I was always in the know as to what the next steps were on getting my insurance paperwork corrected. Kayla was super pleasant to engage with whether it be by phone, text or email. She was kind, polite and very understanding. She definitely is very detailed oriented and seems to be a great asset to Fernow insurance. She made sure I was well taken care of. If I could give more than 5 stars I would have given her 100 more ⭐️.
Joanne Amaro
12:24 27 Jun 25

The Fearnow Agency Advantage

  • We work for you, not the insurance carriers, to ensure your claims are processed efficiently and are paid out quickly.
  • Unlike a single-company agency, we have access to over 100 carriers, so we’re never limited in the services we can provide you.
  • We can save you up to 37% in insurance cost, or get better coverage for the same cost.
  • We always provide full disclosure of plan inclusions and exclusions.
  • We offer customized plans tailored specifically to your needs, instead of forcing you into a pre-packaged solution that won’t really work for you.
  • Our agents are continuously training, so they stay the leading experts in their field.

Types of Covered Job-Related Injuries

A work-related injury is one that was sustained while you were performing a task on behalf of your employer or during the course of employment.  Injuries can occur at the workplace, in a company owned vehicle, or at another location (not owned by the employer) so long as the employee was doing something related to their job.  This can include company parties, outings, or other social events hosted by the employer.  Workers’ Compensation may also cover injuries that are the result of disregarding safety rules and regulations or even in cases where employees may have been “horse playing”.  Mental injuries such as anxiety, PTSD, or depression also fall under Workers’ Compensation if the illness is the result of performing job related duties.

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Workers’ Compensation “Grey” Areas

Workers’ Comp isn’t always cut and dry when determining if the injury is covered under the insurance.  There are some grey areas where additional requirements may need to be met.

  • Lunch Breaks:  Injuries that are sustained during a lunch break may be covered if the injury occurred on company property, such as in the cafeteria or in the break room, or otherwise connected to employment, such as meeting a client for lunch.
  • Alcohol:  If an injury was sustained while alcohol was consumed, the injury may be compensated if the alcohol was provided at a work- sponsored event.
  • Pre-Existing Condition:  A previous injury or pre-existing injury may be considered for Workers’ Compensation if the injury worsened during employment.