Question: Who needs workers’ compensation coverage?

In Florida, you need a workers’ compensation insurance policy as a business if:

- Your business is in an industry other than construction and it has four (4) or more employees, full-time or part-time (Corporate officers that have correctly filed exemptions with the state do not count as employees).

- Your business is in the construction industry and you have one (1) or more employees (Corporate officers that have correctly filed exemptions with the state or a member of a limited liability company do not count as employees).

- You are a farmer and have more than five (5) regular employees and/or twelve (12) or more other workers for seasonal agricultural labor lasting thirty (30) days or more.

One Response to “Who Needs Workers Compensation?”

1. FloridaWC Answers » Archives » Construction Industry in Florida Workers Comp | Answers to your Florida Workers' Compensation Insurance Questions Says:
   April 28th, 2008 at 8:33 am

   [...] often receive this question. In the definition of businesses required to carry Florida workers’ compensation insurance, there is a distinction in the requirement for workers’ compensation insurance between [...]

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