Florida’s Workers’ Compensation Requirements: An Overview


Workers’ compensation insurance is what protects your business in the event that an employee becomes injured or ill while on the job. Workers compensation insurance rates in Florida vary broadly, and so do the requirements for exactly what your policy must entail depending on the size and type of business you operate. While your policy will fluctuate based on the exact needs of your business, here is an overview of some of the types of businesses that warrant workers’ compensation insurance.

Construction Industry Employers

Any employer in the construction industry with at least one other employee, regardless of whether the employee works part-time or full-time, must hold a workers’ compensation insurance policy. Subcontractors are also required to obtain workers’ compensation coverage in the Sunshine State.

Non-Construction Industry Employers

While employers within the construction industry must have workers’ compensation coverage if they employ one or more people, those within the non-construction industry must also do so if they employ four or more individuals, either part or full-time.

While whether an employer operates within the construction industry or not plays a role in determining whether they need workers’ compensation coverage, additional rules apply for those within the agricultural industry as well as for out-of-state employers. When obtaining workers compensation insurance rates in Florida, be sure to be extremely clear about the nature of your business to ensure you get the coverage you need.