Question: What kinds of employee injuries are covered under workers’ compensation insurance?

Under Florida law, workers’ compensation insurance covers all accidental injuries and occupational diseases arising out of and in the course and scope of employment. This includes diseases or infections resulting from such injuries. Workers’ compensation insurance also covers death resulting from such injuries within specified periods of time. Even if you do not think an injury is covered, you must still report the injury to your insurance carrier within seven (7) days of your first knowledge of the accident/injury for determination of responsibility.

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.