Protect Your Team. Stay Compliant.
Florida requires workers' comp for most employers. We keep you legal, your crew protected, and your premium under control.
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About Workers Compensation Insurance
Workers Compensation Insurance in Hialeah & South Florida
Workers' compensation covers medical bills and lost wages when an employee is hurt on the job — and in Florida it's legally required for most businesses, especially in construction. Going without it risks steep fines, stop-work orders, and personal liability.
Kapital Insurance Group helps South Florida employers get compliant quickly and affordably. We classify your payroll correctly, find carriers that price your trade well, and keep your certificates current so you can take on the contracts you want.
Why choose us
The Kapital advantage on workers compensation insurance
Stay legally compliant
Avoid Florida stop-work orders and fines with the right coverage filed correctly the first time.
Construction specialists
We know Florida's strict construction requirements and the carriers that handle trades well.
Pay-as-you-go options
Premium based on actual payroll improves cash flow and reduces year-end audit surprises.
Fast certificates
Same-day COIs so you can prove coverage to general contractors and project owners.
What's covered
Coverage options built around you
We tailor your policy to your real needs — never more than you need, never less than you should have.
Medical Benefits
Pays for treatment, hospital stays, and rehabilitation for work-related injuries and illnesses.
Lost Wages
Replaces a portion of an injured employee's income while they recover and can't work.
Disability Benefits
Provides ongoing benefits for temporary or permanent disabilities resulting from a workplace injury.
Employer's Liability
Protects your business against lawsuits related to workplace injuries.
Death Benefits
Provides support to an employee's family in the event of a fatal work accident.
Questions, answered
Workers Compensation Insurance — frequently asked questions
Common questions about workers compensation insurance in Florida, answered by our local team.
Generally, yes. Construction businesses must carry it with one or more employees, while most non-construction businesses need it at four or more. We'll confirm the rule for your industry.
Premiums are based on your payroll, employee job classifications, and claims history. Correct classification is key — and one of the ways we keep your premium fair.
Florida can issue stop-work orders and significant fines, and you could be personally liable for an injured worker's costs. We help you get compliant quickly to avoid this.
Loved by South Florida
Hundreds of neighbors, one trusted advisor
Here's what real clients say about working with Jenisffer and the Kapital team.
“Jenisffer saved me over $90 a month on my car insurance and explained everything in Spanish. The whole thing took fifteen minutes and I had my ID cards the same day. I've already sent my whole family to her.”
Maria G.
Hialeah · Auto Insurance
“I run a small delivery business and needed certificates fast to land a new contract. Kapital had everything ready within an hour. Professional, quick, and they actually answer the phone.”
Carlos R.
Doral · Commercial Auto Insurance
“Florida home insurance was stressing me out until I called Kapital. They found me a better policy for less and walked me through my hurricane deductible so I finally understood it. Highly recommend.”
Yanet P.
Miami Lakes · Home Insurance
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Property, liability, fleet, and workers' comp — managed together by a local team that knows South Florida business.
Get a quoteReady for better workers compensation insurance?
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Free & no obligation · Takes about 2 minutes · Hablamos español