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Workers' Compensation Insurance

April 4th, 2011

Legal Requirements for Florida Workers Comp

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Martin Summers

Insurance Agent

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.

Here is a short video explaining these requirements:

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