Workers' Compensation Insurance
Protect your employees and your business. Wirehaired Trust helps Texas and Florida employers find the right workers' comp policy at a competitive price.
Workers' compensation insurance covers medical expenses and lost wages for employees injured on the job — and protects employers from the financial and legal consequences of workplace injuries. Getting the right policy is particularly important in Texas and Florida, where the rules differ significantly.
Why It Matters
- Covers medical bills for work-related injuries and illnesses
- Replaces a portion of lost wages during recovery
- Provides death benefits to families of fatally injured workers
- Shields your business from most employee injury lawsuits
Texas vs. Florida: Key Differences
- Texas: The only state where workers' comp is not mandatory — but it is often required by contracts with general contractors, government agencies, and large clients. Non-subscribers face significant legal exposure.
- Florida: Most employers with 4+ employees are required to carry workers' comp. Construction companies must carry it with even 1 employee.
Experience Modification & Premium Management
Your workers' comp premium is largely driven by your experience modification rate (EMR). We help clients understand their EMR and identify loss control strategies to keep it competitive.
Get a Workers' Comp Quote