Workers' compensation insurance is mandatory for most employers. It covers medical expenses, lost wages, rehabilitation costs, and death benefits for employees injured on the job — and protects your business from costly lawsuits. Florida law requires workers' comp for businesses with 4+ employees (1+ in construction).
Florida requires workers' comp for: construction businesses with 1+ employees, non-construction businesses with 4+ employees, and all agricultural businesses with 6+ regular or 12+ seasonal employees. Even if not legally required, carrying workers' comp protects you from devastating out-of-pocket costs.
If you're in construction with 1+ employees, or any other industry with 4+ employees, yes — it's required by Florida law. Non-compliance can result in stop-work orders and penalties of 2x the evaded premium.
Rates vary by job classification. Office workers may cost $0.20–$0.50 per $100 of payroll, while roofers or ironworkers can cost $15–$30+ per $100. Your experience modification rate (EMR) also significantly impacts premiums.
Yes. Corporate officers and LLC members can file for exemption with the Florida Division of Workers' Compensation, but this means you have no coverage if injured. Construction exemptions are limited to 3 per entity.
Get a free quote or call (321) 206-8035.