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

Workers
Comp
Quotes

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 and Kayla went above and beyond to find the best rates for home and auto insurance. They stayed in constant communication and made the process very easy. 10/10 recommend Fearnow insurance!
Steven
22:32 11 Sep 25
Helped me find good policies in my budget.Madrianne was very helpful,kind and so easy to work with.... She is GREAT !!
Eric Hopkins
14:49 09 Sep 25
Jean Rodriguez with Fearnow Insurance has been such a blessing for Catholic Youth Soccer, Inc. Since we became a federally recognized nonprofit, she has been fully committed to making sure we are properly protected. Jean’s customer service is amazing—she is attentive, knowledgeable, and always goes the extra mile.Thanks to Jean’s support, CYS has the peace of mind to focus on serving families in our community through faith-based youth soccer. I highly recommend Jean and Fearnow Insurance!CYS is a huge fan of Jean's!!!!!!!
Patrick Poland
20:49 05 Sep 25
Jean Rodriguez, went above and beyond to help me out with my policy . I have a health situation, and she resolved the issue. I appreciate the fact that she kept me informed, and cares about her Clients. Thank you!
Manuel Campoamor III
20:48 05 Sep 25
Lydia in auto and Joe in Life insurance are fantastic ! Excellent customer service , quick responses to inquiries, above and beyond enthusiasm and attention to detail. Highly recommend this Insurance agency.
Grace Rhymes
17:36 04 Sep 25
Joseph was great to work with. He was knowledgeable, communicative, and answered all my questions! He also saved me and my family hundreds of dollars while still keeping great insurance on two vehicles. Good bye Geico! Thank you Fearnow team!
Lorenzo Laporte
21:46 03 Sep 25
I had a great pleasure to work with Joe. Answered to all my questions (I had a lot) and found the best price for my home insurance. Would recommend to check these guys when you are renewing your policy
Andy S
20:34 03 Sep 25
Mr. Joseph was very professional and knows what he is doing.He is very knowledgeable about the needs of the customers and takes time to explain for your understanding.He is very quick in responding to emails and questions.Thank you for your assistance.
Daniel Otu-Jireh
18:38 01 Sep 25
Love dealing with Fearnow, they take care of all my insurance needs. Thank you Joe!
Garrett Norris
18:08 29 Aug 25
I would give our agent, Jean Rodriguez at 5 Stars for sure! She is very knowledgeable about our coverage and always very helpful in answering questions when I have them. She is quick to respond to phone calls and emails! Would highly recommend her for your insurance needs!
Christina Wyant
19:03 28 Aug 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.