Employers Holdings in Florida
Employers Holdings writes workers compensation insurance in Florida, with A AM Best rating and a $250 minimum premium. Florida carriers operate under NCCI rate filings, with a max weekly benefit of $1,358 and a statute of limitations of 2 years. Verified 2026-05-09.
Employers Holdings in Florida
WC-only carrier. Cerity is their direct/digital subsidiary. The carrier's industry focus is small business specialist (under 50 employees), and the AM Best rating is A with a Stable outlook. Online quoting is available through the carrier portal. Pay-as-you-go billing is available, which reconciles premium each pay period instead of at the annual audit. Self-service audit is available, employers can upload payroll records through a portal instead of waiting for an auditor visit.
Florida workers comp rules that apply to every carrier
Florida workers comp benefits are set by statute, not by the carrier. The maximum weekly indemnity benefit is $1,358 at 66.67% of the average weekly wage. The statute of limitations to file a claim is 2 years from the date of injury. Coverage threshold: Employers with 4 or more employees (full-time or part-time) must carry coverage. Construction industry employers with 1 or more employees must carry coverage. Agricultural employers with 5 or more regular employees and/or 12 or more seasonal employees who work for more than 30 days must carry coverage. On 1099 contractors: Individuals classified as independent contractors (1099) are generally not considered employees for workers' compensation purposes if they meet specific statutory criteria, otherwise they may be reclassified as employees.
How to get a Employers Holdings quote in Florida
Have your FEIN, NCCI class code (or job description if you do not know the code yet), estimated annual payroll by class code, three years of loss runs from prior carriers, your published EMR (experience modifier) if you have one, and certificates of insurance for any subcontractors. Employers Holdings can quote faster with complete information; missing payroll detail or loss runs typically delays underwriting by 5 to 10 business days. For accounts under the carrier-set premium ceiling, the online portal can issue a quote in under an hour.
Related
FAQs
Does Employers Holdings write workers comp in Florida?
Yes. Employers Holdings writes workers compensation in 46 states, including Florida. AM Best rates the carrier A (Stable outlook), and the minimum premium is $250. Online quoting is available.
What kind of Florida businesses does Employers Holdings target?
Employers Holdings focuses on small business specialist (under 50 employees). WC-only carrier. Cerity is their direct/digital subsidiary.
What is the max weekly workers comp benefit in Florida on a Employers Holdings policy?
Statutory benefits are set by state law, not by the carrier. Florida caps weekly indemnity at $1,358 (effective 2026-01-01), calculated as 66.67% of the average weekly wage. Employers Holdings pays the same statutory benefit as any other Florida carrier.
How does Employers Holdings handle 1099 contractors in Florida?
Individuals classified as independent contractors (1099) are generally not considered employees for workers' compensation purposes if they meet specific statutory criteria, otherwise they may be reclassified as employees. Employers Holdings audits 1099 status against the same standard at policy audit; missing certificates of insurance for subcontractors typically lead to the sub payroll being added to the rated base.
Does Employers Holdings offer pay-as-you-go workers comp in Florida?
Yes. Employers Holdings offers pay-as-you-go workers comp, where premium is calculated each pay period based on actual payroll instead of estimated annual payroll. Pay-as-you-go reduces audit surprises and is available in Florida through Employers Holdings.
When does Employers Holdings audit my payroll in Florida?
Florida carriers including Employers Holdings audit within 90 days of policy expiration. Have payroll segregated by class code, certificates of insurance for every subcontractor, and overtime documented separately.