Workers’ Compensation Insurance

Support for Your Team When They Need It Most

In any business, accidents can happen—and when they do, your employees count on you to do the right thing. Workers’ compensation insurance helps cover medical costs and lost wages if an employee gets hurt or becomes ill on the job. At St. Andrews Insurance, we help businesses in Panama City, Santa Rosa Beach, and throughout Florida secure the coverage they need to protect their team and stay compliant with state laws.

Why Workers’ Compensation Insurance Matters

Support for Your Team When They Need It Most

In any business, accidents can happen—and when they do, your employees count on you to do the right thing. Workers’ compensation insurance helps cover medical costs and lost wages if an employee gets hurt or becomes ill on the job.



At St. Andrews Insurance, we help businesses in Panama City, Santa Rosa Beach, and throughout Florida secure the coverage they need to protect their team and stay compliant with state laws.

A person is typing on a laptop next to a piece of paper that says insurance.

What Workers’ Compensation Insurance Covers

Workers’ Compensation Insurance

Covers doctor visits, hospital bills, surgeries, medications, and ongoing treatment. From minor sprains to serious injuries, this coverage helps Florida employers handle care costs swiftly and fairly.

Lost Wages

Provides partial income replacement while the employee recovers. This is especially critical for small businesses across Panama City and Santa Rosa Beach, where one injury can significantly impact a team.

Rehabilitation Services

Pays for physical therapy or occupational rehab needed to return to work. St. Andrews Insurance ensures your employees get the care they need to recover and reintegrate safely.

Disability Benefits

 Offers compensation for temporary or permanent disability caused by a workplace incident. We help Florida businesses navigate complex claims with compassion and compliance in mind.

Death Benefits

Provides financial support to the family of an employee who dies as a result of a job-related injury. This includes funeral costs and survivor benefits to ease the burden during a difficult time.


Questions We Hear Most — With Answers

A man is sitting at a desk writing in a notebook.
A hand is putting a coin into a piggy bank.

  • Who Needs Workers’ Compensation Insurance?

    In Florida, most businesses with four or more employees are required by law to carry workers’ compensation insurance. For construction businesses, even one employee can trigger the requirement. Whether you're running a small café in Panama City or managing crews across the Panhandle, workers' comp protects your team—and your livelihood.

  • What happens if I don’t carry workers’ comp?

    You could face hefty fines, stop-work orders, and potential lawsuits. St. Andrews Insurance helps ensure you're covered and compliant.

  • Does it cover part-time employees?

    Yes. Florida law includes part-time and seasonal workers in most cases, so coverage should be broad enough to protect everyone on your team.




  • What types of injuries are covered by workers’ compensation?

    Workers’ comp generally covers any injury or illness that happens in the course of employment—from slip-and-fall incidents to repetitive strain injuries. If you're unsure whether a situation qualifies, St. Andrews Insurance is here to walk you through the details.



  • Does workers’ compensation insurance cover remote employees?

    Yes, in many cases. If a remote or work-from-home employee is injured while performing job-related duties, they may still be eligible for benefits under your workers’ compensation insurance in Florida.

Local Help, Real Answers

We’ll Keep Your Business Rolling

We’re here to take the stress out of commercial coverage. You’ll get fast answers, expert guidance, and local support from people who actually know your business. Let’s get your vehicles—and your business—protected.

A woman in a blue uniform gives a presentation to a small group. She holds wires, and safety gear sits on a table.