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Florida Workers' Compensation Requirements
Required from 4 employees
✓ Verified 2026-09-08 Source: FL DFS - Division of Workers' Compensation ↗
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At a glance
4+
employee threshold (general)
1
construction threshold
Private market
buy from any carrier
FL DFS - Division of Workers' Compensation
official source (verified 2026-09-08)
The details
Non-construction: 4+ employees (officers/LLC members count). Construction: 1+ employees, up to 3 exempt officers.
FAQ
Do I need workers' compensation in Florida?
Yes — once you regularly employ 4 or more employees (full or part-time), Florida requires workers' compensation coverage.
What about construction businesses in Florida?
Construction has a stricter threshold: coverage is required from 1 employee(s), versus 4 for general businesses.
What if I don't carry required coverage in Florida?
Penalties vary by state and can include per-employee per-day fines, stop-work orders, and personal liability for injury claims. Check the official source below for Florida's current enforcement posture.
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Official source: FL DFS - Division of Workers' Compensation · Verified 2026-09-08 (official) · Compare all states · Construction rules · Farm rules