Workers' Compensation by state

Workers' compensation requirements in Florida

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Does Florida require workers' compensation insurance?

Yes. Florida requires workers' compensation coverage once a business has four or more employees (construction one or more), under the Florida Workers' Compensation Law. Florida generally requires workers' compensation coverage once a non-construction employer has four or more employees, while construction employers must carry coverage with one or more employees.

Reviewed by Cornerstone Staff28 years of financial services state licensing experienceLast verified July 29, 2026

How the mandate works

Florida generally requires workers' compensation coverage once a non-construction employer has four or more employees, while construction employers must carry coverage with one or more employees. Agricultural employers are subject to separate employee and seasonal-worker thresholds.

Coverage trigger: Four or more employees (construction one or more)
If you go without coverage: The state can issue stop-work orders and assess penalties based on the premium the employer avoided, plus daily amounts for continued noncompliance.

Notable exemptions

Exemptions are narrow and fact-specific; confirm your situation with the regulator or an agent before relying on one.

Non-construction employers with fewer than four employees
Certain corporate officers and LLC members who file an approved exemption
Some independent contractors outside the construction industry

Statutes and sources

Florida Workers' Compensation Law

Fla. Stat. sect. 440.01 et seq.

Regulator: Florida Division of Workers' Compensation . Last verified 2026-07-29 from the official source .

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