Workers’ Compensation Insurance

Workers’ Compensation Insurance for Florida Law Firms

  Earn up to 25% return premium

   Group Dividend Program

  10% Flat Dividend


The State of Florida mandates that all businesses with four or more employees provide an insurance policy to pay for medical treatment and salary benefits of injured workers. Unlike other types of coverage where you get to choose the ultimate cost via limits, covered events, and deductibles, Workers’ Compensation Department of Financial Services mandates coverage. Therefore, you will pay exactly the same base price for this coverage no matter which carrier you choose.

However, being a member of The Florida Bar, you have an opportunity to purchase your workers’ compensation insurance from AmTrust North America. AmTrust North America offers your practice the buying power usually reserved for larger organizations. By grouping members into a single group, each firm is eligible to participate in a dividend program based on the group’s overall performance and combined loss ratios.


AmTrust North America has been ranked the 3rd largest workers’ compensation insurance company nationwide in a recent market share report, so you can be confident that we will be there for you when you need us.

Program Specifies:

  • This program is underwritten byAmTrust North America. Best rated “A Stable” insurance carrier, so you know that necessary funds are available.
  • This program is NON-assessable. You will never be asked to make up shortfalls in premiums to cover losses.
  • 10% Flat Dividend (regardless of losses); Plus a sliding scale dividend percentage based on losses
  • Earn up to 25% return premium
  • One time calculation valued six (6) months after policy expiration date
  • Receive 100% of declared dividend ten (10) months after policy expiration; no recapture provision
  • No Loss Development Factor (LDF) or Incurred But Not Reported (IBNR) Factor applied
  • This program contains a NO Recapture Clause. Once dividends are paid to you they will never be recalled.
  • Dividends are paid based on 6 and 18th-month valuations of group losses. You receive 50% of the earned dividend at each valuation period. All audits must be completed and paid in order to receive dividends.