Workers Compensation Insurance
Required coverage for most Florida employers. Protects your employees and your business when workplace injuries occur.
Do You Need Workers Comp in Florida?
Florida law requires workers compensation insurance for most employers. Construction businesses need coverage with just 1 employee. Non-construction businesses need it with 4 or more employees. Agricultural employers need it with 6 or more regular employees.
Workers comp pays for medical treatment, lost wages, and rehabilitation when employees are injured on the job. It also protects you as the employer from lawsuits related to workplace injuries.
Florida Workers Compensation Requirements
Florida's workers comp requirements vary by industry. Understanding your specific obligations is critical to avoid fines, stop-work orders, and personal liability.
Construction
All employers with 1 or more employees must carry workers comp — including subcontractors.
Non-Construction
Employers with 4 or more employees are required to provide workers compensation coverage.
Agricultural
Employers with 6 or more regular employees or 12+ seasonal workers need coverage.
Corporate Officers
Officers of corporations may elect to exempt themselves, but this has specific requirements and limitations.
What Workers Compensation Covers
Why Workers Comp Matters for Florida Businesses
Florida actively enforces workers compensation requirements. Operating without required coverage can result in stop-work orders, fines of $1,000 per day, and personal liability for all employee injury costs.
Beyond compliance, workers comp protects your business from potentially devastating lawsuits. Without it, an employee injured on the job can sue you directly — and a single serious injury can cost hundreds of thousands of dollars.
For contractors, workers comp is also a business requirement. General contractors typically require proof of workers comp from every subcontractor before allowing them on a job site.
Frequently Asked Questions
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