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Workers' compensation insurance covers medical care and lost wages for employees who are injured on the job, and in Florida it is legally required for most employers. It also protects the business by generally limiting an employee's ability to sue over a workplace injury.
Florida's requirements vary by industry and headcount. As a general rule, most non-construction businesses with four or more employees must carry coverage, while construction businesses face a much lower threshold and typically need it with even one employee. Because the rules are specific, it is worth confirming your situation with a licensed agent.
Operating without required coverage can bring stop-work orders and significant penalties in Florida, on top of the cost of an uninsured injury. This is one area where getting it right is not optional.
If you have employees, confirm your workers' compensation obligation before it becomes a problem. Learn more through our business insurance page or request a quote.
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