Cape Coral Workers’ Compensation Insurance Policy Providers

The easiest way to protect your company in the event of a workplace injury is to get insurance from a Workers’ Compensation policy provider in Cape Coral.

Policy providers offer Workers’ Compensation coverage to all types of businesses in Cape Coral, including those in the most prominent industries in the area, such as retail, healthcare, real estate, and commercial fishing. Such insurance provides benefits to injured workers and keeps employers protected from civil litigation. When seeking insurance from a policy provider, it is important to carefully review quotes and polices so that you know what you are signing up for. Consider your company’s possible risk factors and its rate assigned by the National Council on Compensation Insurance. This will allow you to identify plans and prices that are appropriate.

To get coverage from NPN Brokers, call our Cape Coral Workers’ Compensation insurance brokers today at (561) 990-3022.

Workers’ Compensation Providers for the Biggest Industries in Cape Coral

Located in southwest Florida, near the southern tip of the state, Cape Coral is a popular tourist destination known for its beautiful canals. While Workers’ Compensation providers offer insurance policies to various types of companies in Cape Coral, certain industries are more popular than others. Because of this, it benefits employers to learn about the policies available to businesses in their industries and how those policies are assessed.


Retail is a top industry in Cape Coral. There are many shops and stores in the area for tourists and residents to browse. Retail is a relatively low-risk industry for workplace accidents. That said, employees may have to pick up and carry heavy boxes of merchandise, which might result in injury. Furthermore, interacting with the public puts retail workers at a higher risk of assaults and other similar events. Slip and falls are also common among retail workers in Cape Coral.

With all that in mind, a Workers’ Compensation provider will consider your retail company’s risk factors to determine premium prices. Costs will largely depend on how many workers a retail shop employs and how many workplace accidents they have seen in the past.


Cape Coral is a popular place to retire. Because of this, there are many healthcare facilities nearby, meaning Cape Coral has a large healthcare industry. Healthcare workers are at a higher risk of injury. This can make Workers’ Compensation providers hesitant to offer coverage to these businesses. For example, in 2019 there were 221,400 work-related illnesses and injuries among healthcare workers across the country. Our Workers’ Compensation insurance brokers can pair your healthcare facility with a transparent and flexible provider that can work with you to determine premiums that you feel comfortable with.

Real Estate

Real estate is another large industry in Cape Coral. Like retail workers, real estate workers are not prone to workplace accidents. That said, realtors often travel to and from properties for their jobs. This might require them to drive, which puts them at risk of getting injured in car accidents. Brokerages typically need Workers’ Compensation from insurance providers, especially if they employ four or more realtors. If all of your realtors are classified as independent contractors, your brokerage may not have to get a Workers’ Compensation policy in Cape Coral.

Commercial Fishing

Because of its many canals and proximity to large bodies of water, such as the Caloosahatchee River and the Gulf of Mexico, Cape Coral has a large commercial fishing industry. This is perhaps the most dangerous industry in Cape Coral. Commercial fishing puts employees at a considerable risk of injury. Fishers might fall off boats, get caught by machinery, or trip and sustain serious injuries while on a boat. Because of this, Workers’ Compensation providers might categorize your commercial fishing company as risky and increase its Workers’ Compensation premiums. You can lower the cost of insurance by implementing safety practices and reducing the number of workplace accidents among your employees in Cape Coral.

Getting Coverage from a Workers’ Compensation Insurance Provider in Cape Coral

Getting Workers’ Compensation coverage from an insurance provider is easier when companies partner with our brokers. We can tell you what information to provide to a carrier and get your company a quote within as little as a day. After reviewing quotes and policies, you can agree to a policy that protects your business and its employees.

Gather Your Company’s Information

Start by gathering information about your company. An insurance provider will want to know your company’s payroll and industry. It will also want to be informed of any prior Workers’ Compensation claims or workplace accidents.

Review Policies and Quotes

After receiving policy quotes, review them. Make sure that all the necessary employees will be included in your policy and that they are classified correctly. Misclassifying employees can be considered Workers’ Compensation fraud. Then, assess the quoted prices. If the cost suggested by a carrier does not reflect your company’s risk factors, it might be unnecessarily expensive. While baseline Workers’ Compensation premiums are set by the National Council on Compensation Insurance, specific details about individual companies can sometimes increase the cost of coverage.

Agree to a Policy

You will ultimately need to agree to a Workers’ Compensation policy from a provider in Cape Coral. Even if your company is not mandated to have workplace liability insurance because of its size, having coverage will be important. When companies do not have Workers’ Compensation, they can be held liable for any injuries or damages incurred by a worker. Furthermore, non-compliant companies can be heavily fined by the Division of Workers’ Compensation. Workers’ Compensation will provide a pathway to recovery for injured employees and allow your company to avoid any liability for their damages in Cape Coral.

Contact Our Cape Coral Brokers to Get Workers’ Comp Coverage

For help finding a policy from the Workers’ Compensation insurance brokers at NPN Brokers, call us today at (561) 990-3022.