Sarasota Workers’ Compensation Insurance
Whether you’re running a restaurant near St. Armands, managing a boutique in downtown Sarasota, or operating a home service business in Gulf Gate, your employees face daily risks on the job. Workers’ compensation insurance helps Sarasota businesses meet Florida’s legal requirements while protecting employees from the financial impact of workplace injuries.
Support for Sarasota’s Diverse Workforce
From hospitality and healthcare to retail and trades, Sarasota’s economy depends on people. If an employee gets hurt at work—whether it’s a fall in the kitchen or a strain while lifting inventory—workers’ comp coverage helps cover medical costs, lost wages, and recovery support.
At Pelican Shield Insurance Group, we help local businesses throughout Sarasota, Siesta Key, and the surrounding areas understand what’s required and what’s recommended. Whether you have a small staff or a growing team, we’ll help you build a policy that supports both compliance and care.
Why Workers’ Compensation Is Essential in Sarasota
Workplace accidents can happen even in low-risk environments. Workers’ compensation helps your business recover while supporting your team.
Comply With Florida Law
Most non-construction businesses in Sarasota are required to carry workers’ comp once they have four or more employees; construction businesses must carry it with just one.
Protect Employees & Payroll
Covers medical treatment, rehab, and partial wages for employees who can’t work due to a job-related injury or illness.
Reduce Legal Risk
Workers’ comp provides “exclusive remedy” protection, which may help limit lawsuits from injured employees.
What Sarasota Workers’ Compensation Insurance Can Cover
This policy is built to help both you and your employees respond to workplace incidents safely and responsibly.
Medical Bills & Hospital Care
Covers the cost of treatment after a workplace injury—from ER visits to long-term rehab.
Lost Wages
Provides income replacement while your employee is unable to work due to a covered injury.
Disability Benefits
Offers support for temporary or permanent disabilities resulting from a job-related incident.
Employer Liability Coverage
May help pay legal fees if an employer is sued for negligence related to an employee injury.
Death Benefits
Provides financial assistance to a worker’s family if an accident is fatal.
Sarasota Workers’ Compensation Insurance
FAQs
Who is required to carry workers’ compensation insurance in Sarasota?
In Florida, any non-construction business with four or more employees (including owners) must carry coverage. Construction businesses must carry it with just one employee.
What types of businesses in Sarasota need this insurance?
Almost all types—restaurants on Main Street, home service businesses in Palmer Ranch, retail shops in Southside Village, and even office-based businesses in Lakewood Ranch must carry it if they meet the employee threshold.
What if I use 1099 contractors in Sarasota?
Florida’s rules are strict—if a 1099 worker doesn’t carry their own coverage and meets the definition of an employee under state law, you may still be liable for injuries. It’s important to verify COIs and work classifications.
Does this policy cover part-time employees?
Yes. Coverage applies to both full-time and part-time staff, including seasonal workers—important for Sarasota businesses that see seasonal spikes in tourism and demand.
How much does workers’ compensation cost in Sarasota?
Rates are based on industry classification, payroll, and claims history. Businesses in riskier fields—like roofing or food service—typically pay more than low-risk operations like professional services.
