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

Joseph Boyle is very personable and caring. He worked hard to find the right homeowners insurance policy for me taking price and coverage into consideration. I am confident I have found a great insurance agent that will continue to assist me year after year. If you have ever considered shopping your current policy, I would highly recommend giving Joe a call!!!
Lizabeth Pierce
00:47 29 May 25
Joe did an excellent job helping select the right policy for me quick and easy process thanks joe
Creed Fury
19:53 28 May 25
Thank you Matthew Wink for your awesome service with my homeowners insurance every year a true blessing to have with great company thanks again.
Jermaine Miller
19:31 28 May 25
BIG THANKS to Matt Wink for the support on my new truck. He's always been very helpful and pleasant to work with.
Lenny Campbell
16:07 28 May 25
I just wanted to thank Madrienne James at Fearnow for her outstanding service. She helped us save thousands on our insurance and I cannot thank her enough for her efficiency and hard work. I would recommend Fearnow to everyone!
Karen O'Malley
19:08 21 May 25
I've been a customer of Fearnow for about a year now...I started out with one home insurance policy with Fearnow and now I've transferred over all my policies to them. Joe has been incredible in helping me find the best prices for all my properties. He is very responsive to all my emails and questions and most importantly he is very thorough with everything. He doesn't miss a thing ! I feel confident in knowing that I am in good hand with Joe at Fearnow Ins.
Mindy
18:17 15 May 25
I’ve been a customer of Fearnow for about 3 years now. I’ve trusted them with my home, auto, and life insurance policies.Joe and Matt have worked diligently to find me the best policies that meets my needs and don’t break the bank.Joe, in particular, went the extra mile when it came to my life insurance policy. He was a steadfast advocate for me and my family during the underwriting process and helped me lower my rate by requesting the consideration of a second opinion. If Joe hadn’t stood by my side, I’d have half the coverage for the same price.Therefore, I couldn’t recommend the folks at Fearnow enough. They really do put their customers needs first!
Nicholas Olson
01:47 12 May 25
I want to give a big thank you to Tracy Smith for helping me find a less expensive homeowners insurance company. And the strawberry on top is that she has been so pleasant to speak with the last couple of weeks. I went into the office today and everything was professional yet friendly. Thank you again, Tracy!
Valerie J. Yonkin Eastwood
15:04 06 May 25
Joe is a rockstar! Always looking for better rates and does a fantastic job. He’s helped us with Auto, Umbrella and now working on our home insurance.
Chris Wantlin
19:28 01 May 25
Joseph is amazing! He is very informative, and helped my husband and I get the lowest price for homeowners insurance with more coverage! Would highly recommend !
Kayla Dupuis
14:21 29 Apr 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.

Local & Family Owned

Offices serving the local Tampa, FL and Wilson, NC areas for almost 30 years!

Competitive pricing nationally with world-class customer service!

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.