Workers Comp2025-03-11T09:09:32-04:00

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

Jared Arnold at Fearnow Insurance, Inc. provided incredible support for our church, GracePoint Church in Plant City. He helped us save over $40,000 annually on our insurance premiums, while also increasing our coverage significantly. Jared's professionalism, attention to detail, and outstanding client service made the process effortless and reassuring. We highly recommend Jared and Fearnow Insurance for any church or non-profit seeking quality coverage and substantial savings!
Robert Olszewski
18:21 25 Mar 25
Matt Wink, is my astute and kind, agent supreme at Fearnow Insurance. Most recently, he patiently and wisely guided me through the claims process after my home was damaged by Hurricane Milton. Even when I was "losing it", he was professional, calm and the voice of reason for my husband and I. Cudos to Matt and all of the staff at Fearnow Insurance who worked tirelessly and relentlessly throughout all of the hurricanes and storms, year after year here in Florida.Matt will always shop around for the best policies for your home, cars and boat each and every year and tailor those he finds to your personal and finanacial needs. I have lived in Florida for 10 years and I have been with FearNow all of that time.A FINAL WORD OF CAUTIONARY ADVICE: YOUR HOME AND VEHICLES ARE YOUR BIGGEST FINANCIAL INVESTMENTS/ASSETS, SO DO NOT MAKE THE MISTAKE OF NOT INSURING THEM PLEASE! JUST CALL MATT WINK!Laura L Vahey
LAURA VAHEY
20:29 23 Mar 25
Justin helped me over the phone yesterday and I must say he was very nice and took the time to get my payment done. Thank you again Justin!!
Sheila Phoenix
21:10 13 Mar 25
Lamarr was great! I needed a revision of my homeowners policy and Lamarr was professional and very helpful! Thank you!
Brenda Roberts
12:50 06 Mar 25
Joe did a great job putting my homeowners policy together. He was very responsive and answered all my questions. I highly recommend Joe and the Fearnow team.
Patrick Toohey
23:07 05 Mar 25
Great knowledge of the market and an aggressive approach to finding suitable coverage for his clients.
Frank Comparetto
21:36 28 Feb 25
My husband and I had a wonderful experience with Joseph , he was able to help us through the whole process in obtaining insurance , at a good rate that fitted our budget and no one was able to get it for us ,. His costumer service exceeded our expectations , we’re so thankful for his service and expertise in the field . Thank you Joseph ! I will highly recommend him 100%.
Karla Colon
19:13 21 Feb 25
I had an excellent experience working with Joe Boyle on my auto and home insurance. He was knowledgeable, responsive, and made the entire process seamless and stress-free. I secured great coverage at a competitive rate, and his customer service was top-notch. Highly recommend!
Agustín Schuster
17:10 19 Feb 25
We are buying our first commercial property and Brian was AMAZING!!! He made sure we had all the proper coverages and answered all of our questions almost as soon as we sent them. I never dreamed setting up new insurance would be this easy. Brian is the BEST
Tracey Van Kleeck
19:59 05 Feb 25
I was searching for auto insurance that was reasonably priced with adequate coverage and found Fearnow Insurance on an internet search. Following only instincts I contacted them from the list and Lydia, the agent, answered the phone. She patiently handled all my questions and endured my gripes about a few carriers. Before we ended the call, Lydia and I were processing a new policy. She literally saved me thousands - thank you!
Judith Carney
17:34 03 Feb 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.