A carrier is an insurance company providing workers’ compensation coverage. The carrier assumes the financial responsibility for compensating injured workers for medical expenses, lost wages, rehabilitation costs, and other benefits as mandated by workers’ compensation laws.

Role of Workers’ Compensation Insurance Carrier

In Florida, like in many other states, workers’ compensation insurance is a mandatory requirement for most employers. The insurance carrier plays a pivotal role in Florida workers’ compensation claims.

Providing Coverage

The primary function of an insurance carrier is to provide workers’ compensation coverage to employers. This coverage protects employers from potential financial losses resulting from workplace injuries or occupational diseases suffered by their employees.

Policy Issuance and Management

Insurance carriers issue workers’ compensation policies to employers, outlining the terms, conditions, and coverage limits of the insurance contract. They also manage policy renewals, modifications, and cancellations as necessary.


Collecting Premiums

Insurance carriers collect premiums from employers based on factors such as the size of the workforce, the nature of the industry, the company’s claims history, and the level of risk associated with the job duties performed by employees. Premiums are typically calculated as a percentage of the employer’s payroll.

Claims Management

Perhaps the most critical role of an insurance carrier in workers’ compensation is managing claims filed by injured workers. When an employee sustains a work-related injury or illness, they file a claim with the insurance carrier, seeking benefits such as medical treatment, disability payments, vocational rehabilitation, and death benefits for dependents in case of fatalities.

Investigating Claims

Upon receiving a workers’ compensation claim, the insurance carrier conducts investigations to verify the authenticity of the claim, assess the extent of the injury or illness, and determine the eligibility of the injured worker for benefits under Florida’s workers’ compensation laws.

Determining Benefits

Based on the findings of the investigation, the insurance carrier determines the benefits owed to the injured worker, including medical expenses, temporary disability benefits, permanent disability benefits, vocational rehabilitation services, and death benefits for surviving dependents if applicable.

Facilitating Medical Treatment

Insurance carriers coordinate and authorize medical treatment for injured workers, including hospital care, surgeries, medications, physical therapy, and rehabilitation services.

Dispute Resolution

Insurance carriers may become involved in resolving disputes between employers, injured workers, and other stakeholders regarding workers’ compensation claims. This may involve negotiating settlements, participating in mediation or arbitration proceedings, or defending claims in administrative hearings or court litigation.

Compliance and Reporting

Insurance carriers in Florida must comply with state regulations governing workers’ compensation insurance and submit regular reports to the Florida Division of Workers’ Compensation. They must also maintain accurate records of claims, payments, and other relevant information for regulatory purposes.


Insurance companies aim to minimize the payout on workers’ compensation claims. Injured workers need someone in their corner. Our experienced Florida workers’ compensation attorneys at Work Injury Rights are here to help you get the benefits you deserve.

If you have been hurt on the job, contact us today! For more workers’ compensation terms visit our glossary page.