#1 Online Agent for Workers' Comp Insurance
More than 200,000 businesses served since 1997
8am - 5:30pm Central | 800.688.1984 | Monday - Friday


If you are in a non-construction industry and have four or more employees, full-time or part-time, you are required to carry Workers' Compensation coverage. An exempted corporate officer or member of an LLC does not count as an employee.

FL Workers' Comp: Key Details

  • Sole proprietors and partners in Florida are automatically excluded from Workers' Comp, but can still purchase coverage if they file for Election of Coverage with the Division of Workers' Compensation.
  • In the construction industry, no more than three corporate officers may be exempt, and each must demonstrate at least 10% ownership.
  • Special FL Workers' Comp rules include…
    • If you are in the construction industry, and have one or more employees (including yourself), you are required to carry Workers' Compensation coverage.
    • State or local governments are required to carry Workers' Compensation.
    • If you are a farmer, and have more than five regular employees and / or 12 or more other workers for seasonal agricultural labor lasting 30 days or more, you are required to carry Workers' Compensation coverage.
  • Private insurance and self-insurance (upon approval) are allowed. There is no state-administered Workers' Comp fund.

Want more details about Workers' Comp requirements in Florida? Visit Florida's Division of Workers' Compensation.

Workers' Compensation Insurance Laws By State